CIRCLE Alliance Bank Visa Credit Card

The basics

• Additional cardholders. Additional cardholders are not supported for this card.
• Digital wallets. Use Apple Pay, Google Pay, or Samsung Pay.
• Gambling transactions. Gambling transactions are not permitted.

Rewards and benefits

• Complimentary travel insurance. The CIRCLE Alliance Bank Visa Credit Card does not come with complimentary international travel insurance.
• Concierge services. The CIRCLE Alliance Bank Visa Credit Card does not include a concierge service.
• Insurances. This card provides standard fraud protection but does not offer any other insurance benefits.
• Rewards points. This credit card does not have a rewards program.
• Sign up bonus. There is no sign up bonus for this card, which is typical of a no-frills card such as this one.

Rates and fees

• Annual fee. The annual fee for this card is $60 per year, charged at $5 monthly.
• Balance transfers. This credit card offers a promotional balance transfer rate of 0% for the first 6 months, after which the revert rate of 11.50% applies. This is a comparatively brief balance transfer offer, but the revert rate is low.
• Cash advances. Cash advances with this card will be charged interest at 14.5% p.a. and will begin to accrue from the day it was made. A cash advance fee of 3% will be charged on any cash advances made with this card. This cash advance rate is lower than average.
• Foreign exchange fee. A 2% foreign exchange fee applies to all purchases made in a foreign currency, either online or overseas.
• Interest-free period. The CIRCLE Alliance Bank Visa Credit Card provides up to 55 days interest-free on purchases (except cash advances) when you pay the account balance in full by the due date or have made the required minimum repayments.
• Purchases. There is no introductory offer on purchases, so the standard ongoing interest rate of 14.50% p.a. will apply.