A Low Rate Credit Card
A low rate credit card that stays low no matter where you take it.
Interest free
Up to 55 days interest free on purchases1 when you pay the closing balance by the statement due date each month.
Note: does not apply to balance transfers and cash transactions. You will be charged interest on retail purchases while you have a balance transfer.1
Cardless pay
Leave your wallet at home and make payments on the go with Google Pay, Apple Pay & Samsung pay.
Simply tap and go
Low annual fee
A great value card that knocks the other cards out with a low annual fee of just $50 p.a.
Things you need to know
To be eligible to apply.
✔ You must be 18 years and older
✔ Be an Australian citizen or Australian permanent resident
✔ Meet our credit lending guidelines
Rates, fees and what you need to know
Interest rates
| Purchase rate | 8.99% p.a.^ |
| Interest free period | Up to 55 days interest free |
| Cash advance rate | 8.99% p.a.^ |
| Balance Transfers | 0% p.a. for 12 months* |
Credit limits
| Minimum credit limit | $500 |
Fees
| Annual fee | $50 |
| Cash advance fee | $5 for overseas, $2 for domestic |
| Late repayment fee | $25 |
| Bank@Post | $2 for cash deposits, cash withdrawals and cheque deposits |
| International Transaction Fee** | 3.00% |
| Other fees and charges may apply. View our current Fees and Charges for more information.
**This fee applies for all transactions (including reversals and cash advances) where you use your card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity or financial institution outside Australia. It’s important to be aware that it may not always be apparent that the merchant or entity processing the transaction is located outside of Australia. |
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View our Low Rate Credit Card Key Fact Sheet.
To reduce or cancel your credit limit, contact us.
FAQ's
Each month your minimum monthly repayment is due by the date shown on your credit card statement.
The minimum repayment on your credit card is whichever is greater of:
- 3% of the closing balance of the statement of account; or
- $20.
If the outstanding amount is less that $20, you must pay it in full. The minimum repayment will include any amount by which you have exceeded the credit limit.
If the balance on your credit card is zero, you do not need to make any repayments.
The repayment for your credit card is due on the 25th of every month.
If you miss a payment you’ll be charged a late payment fee. To avoid a late payment fee, we recommended setting up an automatic repayment to ensure the minimum repayment is paid on time each month.
Need help setting up? Give us a call on 1300 132 249.
Minimum repayments are to be made within 25 days of the statement period closing date of each account.
You can access your credit card statement at anytime via internet banking. You can also view your transaction history via our mobile app.
Important notes
^Eligibility criteria, terms & conditions, fees & charges apply. Rates are current as at 12/09/2025 and subject to change without notice. Your closing statement balance does not include pending transactions.
*Offer terms and conditions: Rate is current as at 12 September 2025 and subject to change without notice. This is an introductory rate for 12 months only on eligible balance transfers from the date the balance transfer is processed. The balance transfer must be processed by us. After the initial 12 month introductory period, the interest rate for the balance transferred will revert back to the standard credit card rate at the time – currently this is 8.99% p.a. Offer available for new and existing card holders where new balances are transferred to the card and offer can be withdrawn at any time. Excludes Balance Transfers from Community First or Easy Street cards. Please note you will be charged interest on retail purchases while you have a balance transfer.
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