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Low Rate credit card

With an interest rate of 13.49% p.a. on purchases, the Low Rate card is our most popular credit card.

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Rates and fees

$59 annual fee
13.49% 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 Rate Gold credit card

Stay in control of your finances with our lowest interest rate, plus handy extras like complimentary insurance.

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Rates and fees

$89 annual fee
13.49% 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

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass and Tap ‘n’ 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.

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