Low Rate Credit Card from American Express®
Save with no annual Card fee and our lowest interest rate on purchases.
- Purchase rate
- 10.99%
- Annual fee
- $0.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Interest rate applied to outstanding balances not paid in full by the due date. | 10.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Fee Charged yearly | Ongoing | $0.00 |
| Additional Card Fee Charged yearly · Applies to the first 4 Additional Cards | Ongoing | $0.00 |
| Late Payment Fee When you do not pay the minimum payment required by the due date as shown on your statement. | Event | $30.00 |
| Currency Conversion Fee 3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars. | Purchase | 3.5% of transaction |
| Dishonour Fee $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. | Event | $6.00 |
| Record of Charge Fee $7 for charges in Australia, $10 for other charges | Event | $7.00 |
| Over The Counter Fee |
Features
- Additional cards — up to 4
- Add up to 4 Cards at no additional fee.
- Bill payment (BPAY) — Ways to pay your bill
- Digital banking — Amex App
- The Amex App lets you quickly and easily manage your Card Account anytime, anywhere.
- Digital wallet — Apple Pay
- Digital wallet — Google Pay
- Digital wallet — Samsung Pay
- Fraud protection
- Fraud Protection Guarantee, protecting you from unauthorised charges made on your Account.
Eligibility
- Minimum age — 18 years
- Residency status — You are an Australian citizen or permanent resident or hold a long term visa.Long term visa means 12 months or more and does not include a student visa.
- Additional Cards are available for any friend or family member 16 years and over.
- Individuals only
- Applications are assessed based on the information provided and are subject to credit approval.
Constraints
- Minimum limit — $1,000.00
More Information
Published by American Express under the Consumer Data Right · Last updated 8 July 2026 · Product ID 4bfa1b93-6392-4a07-aafc-812f4947fe21 · View Source Data (JSON)