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The Low Rate Credit Card from American Express®

Low rates, backed by protection.



Card type
Credit Card

Annual fee
$59 p.a.


Annual percentage rate: 2.99% p.a. for the first 6 months reverting to 12.69% p.a. thereafter1

Interest Free Period: up to 55 days2

View key information for this Card and American Express Credit Card Terms

Low Rate card art

Benefit from low rates

Pay just 2.99% p.a. on purchases for the first 6 months1 (new Card Members only), then 12.69% p.a. on purchases thereafter3.


Get up to 55 days interest free

You will have up to 55 days interest free on Credit Card purchases2.


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.


Online Fraud Protection Guarantee5

Be protected against fraudulent transactions when you use your Card to shop online.


Pay now or pay later – the choice is yours.


The Low Rate Credit Card from American Express gives you the flexibility to pay for purchases in full, or should you choose to carry a balance, at a competitive rate.

Receive up to 55 days interest free

Settle your monthly statement in full and get up to 55 days interest free on Credit Card purchases2.


Pay over time at a low rate

Need more time to pay? The highly competitive interest rate makes paying over time a smart option too if you choose to carry a balance.


Additional Cards at no extra fee

Like to share the benefits with those closest to you? You can add up to four additional Cards with no annual fee4.

Enjoy the benefits here, there, and everywhere.

Accepted in more places

The American Express Card is accepted at tens of thousands of places, including airlines, restaurants, supermarkets, petrol stations, and retail stores.


See where American Express is accepted


Manage your account anywhere

View transactions, schedule payments, set up reminders and more via mobile phone, laptop or desktop computer. Or contact our global Support team for assistance, 24/7.


Enjoy safety and security

Shop where you like without the worry with Online Fraud Protection Guarantee5. If you ever see anything unusual on your statement, just let us know as soon as possible and you won’t be held responsible for unauthorised charges.


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.

Women patting dog

Interested? Check the eligibility criteria.


To apply for the Low Rate Credit Card from American Express, 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 an annual income of $30,000 or more
  • 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)

Ready to apply?

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