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American Express Low Rate Credit Card
Highlights
- A 10.99% p.a. interest rate on purchases helps keep borrowing costs lower than other cards.
- Keep the card for as long as you like with a $0 annual fee.
- Add up to 4 extra cards for family or friends at no cost.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
American Express
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
4
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2.5%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
N/A
Cash Advance Fee
N/A
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
10.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
$6.00
Duplicate Statement Fee
$10.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$30.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
N/A
Cardholder's Extended Warranty Insurance
N/A
Cardholder's International Travel Insurance
N/A
Cardholder's Interstate Flight Inconvenience
N/A
Cardholder's Personal Item Theft Cover
N/A
Cardholder's Price Protection Insurance
N/A
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
Yes
Cardholder's Transport Accident Insurance
N/A
Travel and lifestyle
Airport Lounge Access Included
N/A
Concierge Service Included
N/A
Complimentary Flight Voucher Included
N/A
Complimentary QFF Membership Included
N/A
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
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