Rates & fees

Interest rates

At just 13.24% p.a. on purchases and 21.49% p.a. on cash advances, this Low Rate credit card helps you do more for less.

Fees & charges

Annual fee $78 (or $48 for qualifying customers)

Other fees and charges may be payable

Balance transfer

Once approved, transfer the balance of any Australian-issued credit card or store card to your Low Rate credit card. You'll have just one bill to manage each month and pay just 5.99% p.a. on balances transferred for the first 5 months. At the end of the balance transfer period, the interest rate on any outstanding transferred balances converts to the cash advance rate current at that time.

Interest-free period

Up to 55 days interest free on purchases and most bill payments. It does not apply to cash withdrawals or to any purchases while a balance transfer remains outstanding.