Updated 9 Jun 2016

American Express

Low Rate Credit Card

Snapshot: The American Express Low Rate credit card gives you interest-free days, but doesn’t include a rewards programme. What about the small print?

Join us now for instant access

Join more than 100,000 members today and you’ll get:

  • Independent info
  • Thousands of test results and research you can trust
  • Everything in one easy place
  • Expert support a phone call away if things go wrong
Join Consumer Now Log in

Details

Card

Card type
Standard
Rewards programme
No
Note
-

Interest

Interest rate
12.69%
Interest free days
55
Pays credit interest
×
Note

A 2.99% p.a. Introductory rate applies to purchases and related fees for six months from the date of the first charge. Offer only available to new American Express NZ Low Rate Credit Card Members who apply and are approved.Any balances transferred from your existing American Express Card, cash advances and fees relating to cash advances are excluded from the 2.99% Introductory interest rate. At the end of the six month introductory period, the interest rate for new charges and any remaining balances will revert to the prevailing interest rate at that time.

Balance transfer

Balance transfer facility
×
Balance transfer introductory rate (%)
n/a
Balance transfer introductory period
n/a
Note
-

Fees

Annual fee ($)
59.00
Annual fee - subsequent cards ($)
0.00
Network ATM cash advance fee ($)
2.00
Branch cash advance fee ($)
n/a
Other ATM cash advance fee ($)
n/a
International cash advance ATM fee ($)
5.00
Foreign currency conversion fee (%)
2.50
Late payment fee ($)
25.00
Over limit fee ($)
0.00
Notes
Up to 4 supplementary cards with no annual fee.

Compare all credit cards.

ve a look at all our credit cards. You can compare several to find out what they provide.

View all credit cards