A convenient credit card that makes shopping easy that is no-frills that features a low interest rate and offers up to 55 days interest free period on purchases.
Category: Credit and Charge Cards Last Updated November 29, 2023 Effective May 3, 2024
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 usually vary based on the LVR and other conditions..
, PURCHASE, 12.49%
Lending Rate Type: Purchase
Interest Rate: 12.49%, Comparison Rate 0.00%
Repayment Type:
Loan Purpose:
Product Features
Additional Cards
Balance Transfers
Card Access
Digital Banking
Interest Free
Unlimited Txns
Npp Payid
Npp Enabled
Bill PaymentAdditional Information: Credit Card Payment via BPay
Notifications
Product Eligibility
Residency StatusAdditional Information: Australian Citizens or permanent residents or as otherwise approved
Natural Person
Min Age - 18.
Min Income - 20000.
Bank Fees and Charges
Annual Fee (Periodic), Amount: 49.00.
Cash Advance Fee (Withdrawal), Amount: 2.00.
Cash Advance Fee - Foreign And Overseas Atms (Withdrawal), Amount: 5.00. Additional Information: Cash withdrawals performed at some foreign ATMs and ATMs overseas
Cheque Dishonour (Event), Amount: 9.00. Additional Information: Cheque drawn by you or deposited by you that has not been accepted by us or another financial institution
Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: Transactions made in a foreign currency are subject to a conversion fee of the value if the transaction
Direct Entry Dishonour (Event), Amount: 9.00. Additional Information: Direct Entry returned (inward and outward)
Document Fee (Event), Amount: 60.00. Additional Information: $60.00 per hour (subject to minimum $10.00 per copy)
Miscellaneous Service Fee (Event), Amount: 60.00. Additional Information: This fee applies if request information not covered by the Document Fee on an hourly rate of $60.00
Overseas Telegraphic Transfer (outward) - Australian Currency (Event), Amount: 39.00. Additional Information: Funds can be sent to a variety of destinations in a currency appropriate to that county
Overseas Telegraphic Transfer (outward) - Foreign Currency (Event), Amount: 28.00. Additional Information: Funds can be sent to a variety of destinations in a currency appropriate to that county
Periodical Payment Fee (Payment), Amount: 0.50. Additional Information: Transfers/Deposits to Accounts at other Financial Institutions
Physical Foreign Currency (Event), Amount: Not Listed.. Additional Information: Physical Foreign Currency issued or purchased 1% of the Australian currency equivalent amount
Reference Fee (Event), Amount: 9.00. Additional Information: The Reference fee is charged each time the Account becomes overdrawn without our prior agreement.
Replacement Card Fee (Event), Amount: 100.00. Additional Information: Visa Global Cardholder Assistance Service (GCAS)
Unclaimed Monies Fee (Variable), Amount: 20.00. Additional Information: The lessor $20.00 or account balance
Atm Owner Fee (Variable), Amount: 0.00. Additional Information: This fee amount is disclosed at the time of the ATM transaction and charged by the ATM owner for an ATM transaction including an ATM enquiry
