Purchase and balance transfer offer of 4.99% p.a. for 5 months.
Low ongoing interest rates on purchases, balance transfers, and cash advances.
$0 annual fee with up to 55 interest-free days on purchases.
Pros and cons
Special 5-month introductory rate on purchases and balance transfers.
The low ongoing rate on purchases and cash advances.
No annual fee for life.
Minimum credit limit of $500 to help keep your spending within control.
No rewards program on this card.
The card does not offer complimentary insurance cover.
Rates and fees
Additional cardholders. It's free to add additional cardholders. This feature allows the account to be shared with family members. However, the primary cardholder will be responsible for managing and repaying the balances on the account.
Digital wallets. Supports Apple Pay, Google Pay, and Samsung Pay.
Gambling transactions. Gambling transactions are treated as cash advances, complete with the cash advance rate and fee.
Rewards and benefits
Complimentary travel insurance. As a basic-level card, there is no complimentary free travel insurance.
Concierge services. Cardholders have no access to a concierge service. This is typical of cards like this.
Insurances. This card has repayment insurance and fraud protection, with no other insurance coverage.
Rewards points. This credit card does not have a rewards program.
Sign up bonus. There is no sign up bonus, as is typically the case for cards with no rewards program.
Rates and fees
Annual fee. There is no annual fee for this card. Many low rate cards like this one charge more than this.
Balance transfers. This card currently has an introductory offer on balance transfers of 5 months at 4.99% p.a. Beyond this period it reverts to 12.95% p.a, a competitively low revert rate. Interest-free balance transfers are widely available from other banks.
Cash advances. 12.95% p.a. interest will be charged immediately. There is no cash advance fee associated with this card. That makes this card one of the most competitive for cash advances.
Foreign exchange fee. There is a 3% foreign transaction fee on overseas or online purchases made in a foreign currency.
Interest-free period. Get up to 55 days interest-free on purchases when you pay off your account balance in full or make the required minimum payments before the due date.
Purchases. Get 5 months at 4.99% p.a. This reverts to the competitively low ongoing interest rate of 12.95% p.a.
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