Auswide Bank Low Rate Visa Credit Card

The basics

• Additional cardholders. You can add up to 4 additional cardholders for free with this card. Your responsibility will be to keep the account in good standing and manage repayments.
• Digital wallets. Support digital wallets such as Apple Pay and Google Pay, but not yet Samsung Pay.
• Gambling transactions. No gambling-related transactions are allowed on this card.

Rewards and benefits

• Complimentary travel insurance. This card does not offer complimentary international travel insurance coverage.
• Concierge services. The Auswide Bank Low Rate Visa Credit Card does not include access to a concierge service.
• Insurances. Cardholders get fraud protection, purchase protection insurance, price protection insurance, and repayment insurance.
• Rewards points. This credit card does not have a rewards program.
• Sign up bonus. Auswide Bank does not offer any sign up bonus for this card.

Rates and fees

• Annual fee. This card has an ongoing annual fee of $50.
• Balance transfers. The Auswide Bank Low Rate Visa Credit Card offers a balance transfer promotion of 0% p.a. for 12 months on balances transferred, with 80% of the total credit limit available. After the promotional period, any remaining balance will revert to the ongoing interest rate of 9.99% p.a.
• Cash advances. Cash advances on the Auswide Bank Low Rate Visa Credit Card will incur interest at 9.99% p.a., with interest accruing immediately. If you make a cash advance on this card, you will be charged a one-off fee of 3.5%.
• Foreign exchange fee. There is a 3% fee on transactions made in foreign currencies, whether online or while shopping on an overseas trip.
• Interest-free period. The Auswide Bank Low Rate Card provides up to 55 days interest-free on purchases (excluding cash advances) when you have paid the previous balance in full or made the minimum required payment.
• Purchases. With no introductory offer on purchases, transactions made with this card will attract a low ongoing interest rate of 9.99% p.a. This is significantly lower than the average.