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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.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply online

or

Low Fee Gold credit card

At a glance

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

Learn more

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.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply online

or

Student credit card

At a glance

Enjoy up to 55 days interest free on purchases and pay no annual fee in the first year.**

Learn more

Rates and fees

$29 or $0 Annual fee waived for the first year and waived each subsequent year when you spend a minimum of $1,000 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.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply online

or

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.

Learn more

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

Learn more

An increase to your credit card limit can come in very handy, but also comes with potential risks. Here are some things to think about before raising your limit.

Learn more

Your credit card can be a lifeline while you're abroad, so make sure you set it up and use it correctly to take full advantage of what it has to offer.

Learn more

Things you should know:

* 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).

** We'll waive your annual fee for the first year. You’ll continue to pay no annual fee in subsequent years as long as you spend at least $1,000 using your Student Card in the previous year (on purchases and cash advances only). If you spend less than $1,000 in the previous year and you are a Student, simply present your Student identification in branch following charging of the annual fee to request a refund.

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.