The Low Rate Credit Card from American Express®

Low rates, backed by fraud protection

Low Rate card art
 Key Information
Annual Fee: $59 p.a.
Interest Rate: 2.99% p.a. for the first 6 months, reverting to 12.69% p.a. thereafter2
View  key information for this Card and American Express® Credit Card Terms
Learn more about Credit Cards to ensure its right for you
Interest Free Period: Up to 55 days3
Card Type: Credit Card

Benefit from low rates

Pay just 2.99% p.a. on purchases for the first 6 months1 then 12.69% p.a. on purchases thereafter2.

New Card Members only.

Featured Benefits

Get up to 55 days interest free


You will have up to 55 days interest free on Credit Card purchases3.



Add up to 4 additional Cards with no annual fee4


Need extra Cards for family members? You can add

up to 4 with no annual fee.

Apple Pay


Make easy and secure purchases with American Express and Apple Pay®. With a quick setup on your Apple device, you can make payments on the go11.


Access & Offers


Enjoy access to offers, pre-sale concert tickets,

invites and Card Member only experiences.

Fraud Protection Guarantee


Be protected against fraudulent transactions both

online and offline,with Fraud Protection Guarantee5.



Get the most out of your Amex Card

Now accepted in more places
75,000 places across NZ now welcome American Express Cards since the start of 2019*.

Discover where.

Outstanding Amex App
See how the Amex App makes having an Amex Card a breeze


Receive an emergency Card within 48 hours
If your Card is ever lost or stolen, you can usually get a replacement within 48 hours, virtually anywhere in the world6.

Interested? Check the eligibility criteria.


To apply for an American Express Low Rate Credit Card, you’ll need to be able to meet the following criteria:

  • Be aged 18 or over
  • Have no history of bad debt or payment default
  • Have the right to work in New Zealand, and
  • If self-employed, have been trading for at least 18 months (or 12 months if I hold an existing American Express issued Card)

Documents and information to have ready:


  • NZ Driver’s Licence number (if you have one)
  • Details of your income, expenses and debts
  • Proof of your annual income and employment details (e.g. Inland Revenue Department (IRD) Statement, payslips)



Ready to apply ?

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Our fastest earn rate. Earn 2 Membership Rewards points per $1 spent8


Get up to $200 Dining Credit9


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$0 Annual Card fee.


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