$0 first-year annual fee (reverts to $30 p.a. thereafter).
A competitive interest rate of 10.76% p.a. on cash advances and purchases.
Up to 55 days interest-free on purchases.
Pros
No annual fee for the first year.
Low interest on purchases and cash advances.
55 interest-free days on purchases.
Cons
No rewards program.
Relatively higher cash advance fee at 3.8% p.a.
No introductory interest-free balance transfer offer.
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