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The Low Rate Credit Card from American Express

The Low Rate Credit Card from American Express delivers all the prestige we associate with American Express combined with a highly competitive low purchase rate of just 11.99% p.a. and rich list of valuable features.

Introductory Offer: Pay No Annual fee each year saving $65 p.a. PLUS 0% p.a. Balance Transfer for 12 months

Key features of The Low Rate Credit Card from American Express

  • 4 Supplementary cards - Pay no annual card fee for up to 4 Supplementary Cards all of which earn points to your account.
  • Up to 55 days interest free on purchases - when no balance is carried forward on your account
  • Special offers, hidden hot spots and more - Made-for-you offers are revealed in your online account or via the American Express mobile app.

The Low Rate Credit Card from American Express is packaged with a generous range of services:

  • Refund and Purchase Protection - American Express will repair or refund the cost of eligible items bought on your Card that are damaged or stolen within 90 days of purchase.
  • Online Fraud Protection guarantee - If you see something unusual on your statement, let American Express know as soon as possible and you won’t be held responsible for any unauthorised charges
  • Emergency Card replacement - If your card is lost or stolen, you can be rest assured as American Express can usually have it replaced within 48 hours, virtually anywhere in the world
  • Access your account wherever you are in the world - via mobile phone, laptop or desktop computer
  • Global Card Support - account assistance any time of the day or night
Credit Card Details
Provider American Express
Prestige Level Standard
Credit Card Type -
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 11.99% p.a.
Cash Advance Rate -
Interest Charged From -
Interest Free Period Up to 55 days
Balance Transfer
Balance Transfer Rate 0%
Balance Transfer Period 12 months
Balance Transfer Fee 1%
Intro Offer Pay No Annual fee each year saving $65 p.a. PLUS 0% p.a. Balance Transfer for 12 months
Offer end date -
Rewards Program No
Rewards Points -
Acceptance Criteria
Age to Apply 18
Min. Income $40,000
Residency Australia
Temporary residents Yes, with a 457 Visa
Min. Credit Limit $2,000
Joint applicants No
Fees & Terms
Min. Monthly Repayment $30
Annual Fee $0
Over Limit Fee -
Duplicate Statement fee -
Late Payment Fee $30
Min. Monthly Repayment % 2.5%
Max. Credit Limit -
Cash advance fee -
Additional card holder fee -
Travel & Insurance
Foreign currency conversion fee 3% of transaction value
Overseas atm withdrawal fee -
Complimentary travel insurance No

What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.