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Hard to come across a better Credit Card

Year after year, our Low Rate Visa Credit Card remains one of the best Credit Cards for value, sweeping up numerous awards including the 5 star Canstar rating in the low rate Visa Credit card category in 2018, 2017, 2016, 2015, and 2014. It also won the 2016 & 2015 Gold Mozo Experts Choice Award and was considered the perfect Credit Card for Travel, having won the 2017 Mozo Experts Choice award in the Low Rate Travel Credit Card Category.

10.49% pa
Variable Interest Rate

  • Low interest rate
  • Fee-free balance transfers
  • No application fee
  • Up to 55 days interest free on purchases
  • Accepted at over 24 million locations worldwide
  • payWave enabled
  • Access to Visa Entertainment
  • Verified by Visa

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Low Rate VISA Credit Card
Interest Rates
Purchase interest rate10.49% pa
Cash advance interest rate10.49% pa
Balance transfer rate10.49% pa
Card Features
Application Fee$0 
Interest chargesCalculated daily, charged monthly
Selection of own PINYes 1
Interest free days55 
Annual fee$30 
Minimum credit limit$1000 
Minimum Repayments Cash$20 
Minimum repayments %2.5%
How we compare with Commonwealth Bank
Product NameLow Rate Credit Card
Interest Rate on Purchases13.492
Interest Free Days552
Annual Fee$59 2
How we compare with St George
Product NameVertigo Low Rate Credit Card
Interest Rate on Purchases13.242
Interest Free Days552
Annual Fee552


1 Please call 13 61 91 to check which branch location has a PIN change facility.

2 Information correct as at 23 August 2016

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