The Low Rate Credit Card from American Express®

Low rates, backed by protection.

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

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.

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?

Apply now

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Terms and Conditions

American Express credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information is correct as at 23 August 2018 and is subject to change. This offer is only available to those who reside in New Zealand. Cards are offered, issued and administered by American Express International (NZ), Inc.

1. Introductory Interest Rate. Offer only available to new American Express Low Rate Credit Card Members. The 2.99% p.a. introductory rate applies to purchases for six months commencing the day the account is opened. Any balances transferred including from your existing American Express Card, cash advances and fees are excluded from the 2.99% p.a. introductory interest rate. At the end of the six-month introductory period, the interest rate for new charges and any remaining balances will revert to the prevailing interest rate at that time. Visit here for more information.

2. 55 Days Interest Free. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.

3. Interest Rates. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 23 August 2018 and are subject to change. This interest rate does not apply for Cash Advances and fees relating to Cash Advance.

4. Additional Cards. Additional Credit Card Members must be over 18 years of age. You will be liable for all Additional Credit Card spending.

5. Online Fraud Protection Guarantee. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.

6. Emergency Card Replacement. If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In New Zealand, call us on 0800 656 660. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office or call +64 9 583 8287. Once you have notified us, you are not liable for any unauthorised charges.

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