Want to know how to apply for the American Express Low-Rate Credit Card in a simple and straightforward way?
Just meet the requirements, have the necessary documents on hand, and follow the step-by-step process we’ll show you here.
Additionally, activating and managing the card is made easy with the comprehensive Amex app.
Take advantage of the opportunity to have a card with no annual fee and low rates, perfect for everyday expenses as well as international spending.
Essential requirements to apply:
- Credit history: It is essential to have a clean credit history with no defaults. This demonstrates your ability to meet your financial commitments and increases your chances of approval.
- Age: You must be 18 years of age or older.
- Residency: You must be an Australian citizen, permanent resident or hold a long-term visa.
- Authorization for credit check: By applying for the card, you authorize American Express to perform a credit check.
This analysis is useful to assess your financial profile and offer a good credit limit.
Finally, the credit check allows the company to assess your payment history, the amount of your debts in relation to your income, and other factors relevant to making a decision about your application.
Documents and information
Have the following documents and information on hand to facilitate the process:
- Australian driver’s license, passport or Medicare card
- Details of your income, expenses and debts.
- Proof of income, such as recent payslips or bank statements.
How to apply for the American Express Low-Rate Credit Card: Step-by-Step
- Access the application page
- Fill in your personal details: full name, date of birth, address and, if you have one, your Australian driver’s license number.
- Provide your income and expenses: Detail your salary and monthly expenses, as well as any outstanding debts, for credit analysis.
- Agree to the credit check: Read and accept the terms of the check.
- After reviewing the information, confirm your application. The analysis is usually quick and, if approved, you will receive an email shortly.
- Wait for the card to arrive: It will be sent to your address within 7-10 business days.
Frequently Asked Questions:
How to track the status of the application? You will receive updates by email or you can check the progress on the website or app with the reference number.
How to activate the card after receiving it? After receiving the card at home, you will need to activate it.
Detailed instructions on how to activate your card are usually included in the envelope with the card.
Normally, you can activate your card online through the American Express website, app or by calling the customer service number.
What is the initial credit limit? The initial credit limit is determined by American Express based on your credit analysis.
The amount of the limit may vary depending on several factors, such as your income, credit history and other data provided in your application.
How to increase the credit limit? To request a credit limit increase, you can contact American Express customer service after a period of responsible card usage.
When do I receive my first statement? Check the statement cycle closing date through the app. You can also set up automatic payments to avoid delays.
Useful contacts:
- General inquiries about the card: 1300 882 538
- Travel notification: 1800 688 022
- Support in case of fraudulent activities: 1300 364 931
You will be redirected to the bank’s website.