Our award-winning Low Rate Visa Credit Card features one of the lowest ongoing purchase rates in the market. And with up to 50 days interest free and a low annual fee, it all adds up to great value.
Last product change: 31 Jul 2025
Last checked: 14 Aug 2025
| Type | Rate (p.a.) | Comparison Rate (p.a.) | Duration |
|---|---|---|---|
Cash Advance | 15.49% | - | |
Calculated daily, charged monthly. | |||
Purchase | 7.49% | - | |
Calculated daily, charged monthly. | |||
| Billing Frequency | Details | |||
|---|---|---|---|---|
| VISA_CASH_ADVANCE_FEE | Transaction | $4.00 | A fee charged for cash advances and overseas transactions will attract an additional currency conversion fee | |
| EMERGENCY_CASH/CARD_VISA_CREDIT | Variable | $0.00 | Third party fee charged when you need an emergency replacement card delivered to you (fee is charged at cost) | |
| PAPER_STATEMENT_FEE | Periodic | $2.00 | P1M | A fee charged to cover the cost of producing and sending paper statements |
| QUICKDEBIT_DISHONOUR_FEE | Transaction | $20.00 | A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you | |
| LATE_PAYMENT_FEE | Event | $15.00 | A fee charged when you don't make your minimum monthly payment, plus any overdue amount | |
| EFTPOS_DECLINE | Transaction | $1.00 | A fee charged if you don't have enough money in your account for an EFTPOS transaction | |
| ATM_INSUFFICIENT_FUNDS | Transaction | $1.00 | A fee charged if you don't have enough money in your account for an ATM withdrawal | |
| OUTWARD_RTGS_PAYMENT_FEE | Withdrawal | $30.00 | A processing fee charged when you require funds to be sent straight away | |
| INWARD_RTGS_AND_SWIFT_PAYMENT_FEE | Deposit | $10.00 | A processing fee charged when you recieve funds through this channel | |
| FOREIGN_CURRENCY_CONVERSATION_FEE | Transaction | Foreign currency conversion fee charged on transaction value in AUD (overseas transactions) |
| Additional Cards | Unlimited additional cards No fees for additional cardholders |
| Interest Free Period | 50 days |