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American Express
The American&nbsp;Express<sup>®</sup> Platinum Edge Credit&nbsp;Card
The American Express® Platinum Edge Credit Card
The American&nbsp;Express Explorer<sup>®</sup> Credit&nbsp;Card
The American Express Explorer® Credit Card
The American&nbsp;Express<sup>®</sup> Platinum Card
The American Express® Platinum Card
The Qantas American&nbsp;Express Ultimate Card
The Qantas American Express Ultimate Card
The Qantas American&nbsp;Express Premium Card
The Qantas American Express Premium Card
The American&nbsp;Express Velocity Platinum Card
The American Express Velocity Platinum Card
The Qantas American&nbsp;Express Discovery Card
The Qantas American Express Discovery Card
The American&nbsp;Express Essential<sup>®</sup> Rewards Credit&nbsp;Card
The American Express Essential® Rewards Credit Card
The American&nbsp;Express Velocity Escape Plus Card
The American Express Velocity Escape Plus Card
The Low Rate Credit&nbsp;Card from American&nbsp;Express<sup>®</sup>
The Low Rate Credit Card from American Express®
The American&nbsp;Express<sup>®</sup> Qantas Business Rewards Card
The American Express® Qantas Business Rewards Card
The American&nbsp;Express<sup>®</sup> Business Gold Plus Card
The American Express® Business Gold Plus Card
The American&nbsp;Express Business Explorer<sup>®</sup> Credit Card
The American Express Business Explorer® Credit Card
The American Express<sup>®</sup> Platinum Business Card
The American Express® Platinum Business Card
The American&nbsp;Express<sup>®</sup> Velocity Business Card
The American Express® Velocity Business Card

The Low Rate Credit Card from American Express®

The Low Rate Credit&nbsp;Card from American&nbsp;Express<sup>®</sup>

Save with No Annual Card fee and our lowest interest rate on purchases

Enjoy our low interest rate of 10.99% on purchases and $0 annual fee1

Key Information
Card Type
Credit Card
Annual Fee
$0 p.a.
Interest Rate
10.99% p.a. on purchases1
Interest Free Period
Up to 55 days2
Key Benefits

Low Interest Rate

Make managing your finances that much easier with a low 10.99% p.a. interest rate on purchases1 and $0 annual fee

Card Purchase and Refund Cover

Shop with confidence thanks to Card Refund and Purchase Cover when you make an eligible purchase with your American Express Low Rate Credit Card3

Additional Cards at no extra cost

Share the benefits of Membership with up to 4 Additional Cards for family members or friends, at no extra fee4

All Benefits
Eligibility
To apply for The Low Rate Credit Card you need to:
  • Have no history of bad debt or payment default
  • Be aged 18 years or over
  • Be an Australian citizen, permanent resident or hold a long term visa
  • Agree to a credit check as part of your application
Documentation
Documents and information to have ready:
  • Australian Driver's License number (if you have one)
  • Details of your income, expenses, and debts
  • Proof of income (e.g. payslips)

Please click here to read the Key Facts Sheet for this Credit Card.
The Low Rate Credit&nbsp;Card from American&nbsp;Express<sup>®</sup>

Applying takes less than 10 minutes, and you could receive a response within 60 seconds

Other Recommended Cards For You

Earn Qantas Points and enjoy $0 Annual Card Fee

The Qantas American Express Discovery Card

Enjoy $0 Annual Card Fee (usually $195) in the first year

The American Express® Platinum Edge Credit Card

when you apply online, and are approved. T&Cs apply. New Card Members only1. Offer subject to change without notice.

Receive 60,000 Bonus Membership Rewards® Points

The American Express Essential® Rewards Credit Card

when you apply online by 6 May 2025, are approved, and spend $3,000 on eligible purchases on your new American Express Essential® Rewards Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.