Low-interest rate of 8.99% p.a. on purchases and cash advances.
Low annual fee of $40 p.a.
0% p.a. for 6 months on balance transfers with no balance transfer fee on amounts transferred (reverts to 8.99% p.a. thereafter).
Pros
The low-interest rate on purchases and cash advances.
Low annual fee.
Up to 55 interest free-days on purchases.
Get an additional cardholder with no additional fee.
Credit limit from $500 onwards.
Cons
There is a 3% international transaction fee.
No rewards program.
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