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OUR LOW RATE CREDIT CARDS

Low Rate credit card

With an interest rate of 13.24% p.a. on purchases, the Low Rate card is our most popular credit card.

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Rates and fees

$59 annual fee
13.24% 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 Rate Gold credit card

Stay in control of your finances with our lowest interest rate, plus handy extras like international travel insurance included with your card.

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Rates and fees

$89 annual fee
13.24% 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.

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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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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.

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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.

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Things you should know:

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass and Tap ā€˜nā€™ Go are trademarks of MasterCard International Incorporated.

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.