Low introductory rate for the first 6 months on balance transfers (reverts to 12.99% p.a. thereafter).
Low annual fee of $30 p.a.
Up to 55 interest-free days.
Pros
Low interest rates on purchases and cash advances.
Competitive annual fee.
Visa payWave is available for purchases under $100.
Cons
No rewards program.
Doesn't work with digital wallets.
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