Our Low Rate Visa Credit Card features one of the lowest ongoing purchase rates in the market. And with up to 50 days interest free and a low annual fee, it all adds up to great value.
Use it wherever the Visa logo is displayed to withdraw cash and make purchases online, in-store and over the phone within Australia or throughout the world.
You can now add your Low Rate Visa Credit Card to your Digital Wallet to pay securely and conveniently on the go using your phone or wearable device.
| Interest rate | |
| Interest rate on purchases | 7.49% p.a. |
| Cash advance rate | 15.49% p.a. |
| Features | |
| Minimum credit limit | $1,000 |
| Maximum credit limit | $75,000 |
| Interest free period | Up to 50 days on purchases1 |
| Repayment frequency | Minimum monthly repayment is the greater of 3% of the amount of the closing balance, or $20 |
| Balance transfer available | No |
| Reward points | No |
| Annual fee | $502 |
| Cash advance fee | $4 |
| Foreign currency conversion rate | 3.00% of transaction value in $AUD |
| Card replacement fee (Australia) | $0 |
| Card replacement fee (Overseas or priority order) | $0 |
| Emergency card | At cost |
For more related frequently asked questions, visit our FAQs page.
2 Annual fee will be charged when the card account is opened and then on the anniversary date each year after.
Eligibility criteria, terms and conditions, fees and charges apply. All information including interest rate is subject to change.
