12.24% p.a. interest rate on balance transfers, cash advances, and purchases.
No first-year annual fee (reverting to $60 p.a. for the following years).
Get up to 55 interest-free days on purchases.
Pros
Low ongoing interest rates.
No annual fee for the first year.
You can link your card to Apple Pay, Google Pay, and Samsung Pay.
Cons
There is no introductory offer on balance transfers or purchases at the moment.
No rewards program.
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