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Low Fee credit card

At a glance

Enjoy the flexibility and convenience of a card with our lowest annual fee and plenty of extras.

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Rates and fees

$29 annual fee
$0 annual fee for the first year and each year you spend $1,000 or more in the previous year*
19.74% p.a. purchase interest rate
21.24% p.a. cash advance interest rate

How to apply

Apply online and get a response in 60 seconds.

Low Fee Gold credit card

At a glance

Enjoy the flexibility and convenience of a card with a low annual fee and complimentary insurances.

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Rates and fees

$89 annual fee
$0 annual fee for the first year and each year you spend $10,000 or more in the previous year*
19.74% p.a. purchase interest rate
21.24% p.a. cash advance interest rate

How to apply

Apply online and get a response in 60 seconds.

Student credit card

At a glance

Enjoy no annual fee and up to 55 days interest free on purchases when you study full time.

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Rates and fees

$0 annual fee while you’re studying
$400 minimum credit limit
19.74% p.a. purchase interest rate
21.24% p.a. cash advance interest rate

How to apply

Apply online and get a response in 60 seconds.

Learn about credit cards

You may have experienced getting a credit card on an impulse, and faced the traps and pitfalls that come with too much spending. Here are the best ways to avoid any problems.

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Learning more about credit cards and interest can help you manage your card effectively. Try these tips to make the most of your interest-free period on purchases

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A small spending habit can make a big difference to your disposable income, so it can be worth taking a look at how and when you spend.

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Some simple, practical suggestions to help protect you and your card.

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Important information

* We'll waive your annual fee for the first year, then continue to waive your annual fee each subsequent year as long as you spend at least $1,000 in the previous year on your Low Fee card, or at least $10,000 on your Low Fee Gold credit card (on purchases and cash advances only).

The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Financial Services Guide. Please view our Credit Card Conditions of Use.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

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