A low rate credit card with up to 55 days interest free on purchases. Half the annual fee goes to National Seniors Australia to help with their work on advocacy and financial literacy
Category: Credit and Charge Cards Last UpdatedNovember 18, 2025EffectiveDecember 22, 2025
General Lending Rates
Rates listed below are for a product. Additional Information
Interest Rate NA PA
Comparison Rate NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will vary based on the LVR and other conditions..
Product Features
Balance Transfers
Additional Cards
Bill Payment
Card Access
Digital WalletAdditional Information:Payment options
Interest FreeAdditional Information:Up to 55 days. When you pay your balance in full by the due date each monyh
Product Eligibility
Min Age - 18.
Natural Person
Residency Status - Australian Citizen Or Permanent Residency Only.
Bank Fees and Charges
Late Payment (Event), Amount: 25.00. Additional Information: Charged to loan account
Atm Withdrawal/cash Advance Overseas (Transaction), Amount: 5.00. Additional Information: Applicable on all cards
Visa Chargebacks (Event), Amount: 25.00.
Out Of Date Card Details (Event), Amount: 25.00.
Credit Card Annual Fee - Nsa (Periodic), Amount: 50.00. Additional Information: Half of annual fee ($25) will go back to National Seniors
Copy Of Statement (already Issued) (Event), Amount: 1.50. Additional Information: Charged per page. For statements issued prior to January 1997 the fee is $3 per page.
Bank@post Withdrawal, Cash Advance Or Cash Deposit (Transaction), Amount: 2.00. Additional Information: Deposit or withdraw cash via Bank@Post
Cancel Replacement Of Visa Card (Event), Amount: 50.00. Additional Information: Charged in US Dollars
Replacement Of Visa Card (overseas) Std (Event), Amount: 55.00.
Replacement Of Visa Card (within Aus) (Event), Amount: 12.50.
Domestic Cash Advance Fee (Transaction), Amount: 2.00. Additional Information: Fee charged on the day of the transaction
Overseas Cash Advance Fee (Transaction), Amount: 5.00. Additional Information: Charged on the day of the transaction
International Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: 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.