Low-interest rate of 11.31% p.a. on balance transfers and purchases.
Up to 45 interest-free days.
Includes complimentary insurance cover.
Pros
Low ongoing interest rates.
Complimentary insurance plans.
Access to the 24 / 7 concierge service.
Cons
The annual fee is $99 p.a.
45 interest-free days is not as long as what's available on some cards.
Doesn't have a rewards program.
No interest-free balance transfer offer.
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