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American Express Low Rate

American Express Low Rate

5.0 from 1 review

See the Best Low Rate Credit Cards in 2019 as rated by Australians on ProductReview.com.au.


  • $0 Annual Fee

  • Low Interest Rate of 8.99% on purchases

  • 0% p.a. on Balance Transfers for the first 12 months

  • Add up to 4 Additional Cards at no extra cost


  • 1% Balance Transfer Fee

  • 3% Currency Conversion Fee

  • No attached rewards program


CategoryLow Rate Credit Cards, No Annual Fee Credit Cards and Balance Transfer Credit Cards
Card TypeAmerican Express
Minimum Credit Limit $1,000
Minimum Income $50,000
Additional Cardholders 4
Additional Cardholder Fee $0 p.a.
Minimum Repayments2.5%
Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate8.99% p.a.
Late Payment Fee$30
Annual Fee$0 p.a.
Foreign Transaction Fee 3%
Interest Free Period 55 days
Balance Transfer Rates
Balance Transfer Period 12 months
Balance Transfer Rate 0% p.a.
Balance Transfer Fee 1%

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Review distribution

5 star
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1 star


GbengaSouth East Queensland, QLD

  • 3 reviews

Great credit card linked to PayPal


Great card if you pay your bills on time. We pay by direct debit so we are not slugged with charges. We link it to our PayPal payment and so we are able to pay for products that the sellers would not normally accept Amex. Their reward scheme is also great and reliable.

Online Experience
Application Process
Card Start DateMay 1999
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses, Online Shopping and Special Purchases
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The reviewer stated that an incentive was offered for this review

Questions & Answers

Ahmed amod

Ahmed amodasked

I'm a south African living in Malaysia I needed a credit card for all my online activities what is the best international card where deposits are not a problem

No answers

Get an answer from our members and American Express representatives

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