{
  "source": "https://apigw.americanexpress.com/cdr/unauth/cds-au/v1/banking/products/4bfa1b93-6392-4a07-aafc-812f4947fe21",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "4bfa1b93-6392-4a07-aafc-812f4947fe21",
    "lastUpdated": "2026-07-08T02:30:00.000Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Low Rate Credit Card from American Express®",
    "description": "Save with no annual Card fee and our lowest interest rate on purchases.",
    "brand": "American Express",
    "brandName": "American Express",
    "applicationUri": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.americanexpress.com/en-au/credit-cards/low-rate-credit-card/",
      "termsUri": "https://www.americanexpress.com/en-au/credit-cards/low-rate-credit-card/",
      "eligibilityUri": "https://www.americanexpress.com/en-au/credit-cards/low-rate-credit-card/",
      "feesAndPricingUri": "https://www.americanexpress.com/en-au/credit-cards/low-rate-credit-card/"
    },
    "cardArt": [
      {
        "cardScheme": "AMEX",
        "cardType": "CREDIT",
        "title": "The Low Rate Credit Card from American Express",
        "imageUri": "https://icm.aexp-static.com/Internet/CardArt/JAPA/au-cardasset-config/images/GAUB002LWR03S3.gif"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "4",
        "additionalInfo": "Add up to 4 Cards at no additional fee.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Ways to pay your bill",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/pay-bill/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalValue": "Amex App",
        "additionalInfo": "The Amex App lets you quickly and easily manage your Card Account anytime, anywhere.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/mobile-payments/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/mobile-payments/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/mobile-payments/"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Fraud Protection Guarantee, protecting you from unauthorised charges made on your Account.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/membership-benefits/service-and-security/fraud-protection/"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalValue": "Plan It Instalments",
        "additionalInfo": "A flexible way to pay off a selected amount or portion of your Credit Card balance in equal monthly instalments. Subject to fees.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/membership-benefits/plan-it/"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Card Purchase Cover",
        "additionalInfoUri": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/pdf/low-rate-credit-card/Low_Rate_Insurance.pdf"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Card Refund Cover",
        "additionalInfoUri": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/pdf/low-rate-credit-card/Low_Rate_Insurance.pdf"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "Up to 55 interest free days on purchases",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Payment due reminder"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Spend tracking notification"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Payment received alert"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Amex Offers",
        "additionalInfo": "Whether it's shopping, dining, travel or entertainment, eligible Card Members can access Amex Offers that provide opportunities to be rewarded. Amex Offers must be saved to the Card and used for qualifying spend, subject to offer-specific criteria, to receive a benefit.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/offers/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "American Express Experiences",
        "additionalInfo": "Get pre-sale tickets and access to some of your favourite events, and enjoy the Amex Entertainment Lounge before the show at select venues. With Amex, you can dive into unforgettable experiences.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/benefits/entertainment/events"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "You are an Australian citizen or permanent resident or hold a long term visa.",
        "additionalInfo": "Long term visa means 12 months or more and does not include a student visa."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Additional Cards are available for any friend or family member 16 years and over."
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applications are assessed based on the information provided and are subject to credit approval."
      }
    ],
    "fees": [
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y"
      },
      {
        "name": "Additional Card Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Applies to the first 4 Additional Cards"
      },
      {
        "name": "Late Payment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalValue": "When you do not pay the minimum payment required by the due date as shown on your statement."
      },
      {
        "name": "Currency Conversion Fee",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars."
      },
      {
        "name": "Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "$6 for each dishonour or debit rejection. Payable if there aren’t enough funds in your nominated account to pay the Card Account or if the whole or part of a payment by direct debit is rejected."
      },
      {
        "name": "Record of Charge Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.00"
        },
        "currency": "AUD",
        "additionalInfo": "$7 for charges in Australia, $10 for other charges"
      },
      {
        "name": "Over The Counter Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": "$3 Payable if you pay your Card Account in person at Australia Post by EFTPOS."
      },
      {
        "name": "Additional Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if you or an Additional Card Member requests an additional posted monthly paper statement. You may access statements free of charge through your online Account."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1099",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Interest rate applied to outstanding balances not paid in full by the due date."
      }
    ]
  }
}