Low Rate Visa Credit Card

General Lending Rates

Product Variations

Product Features

• Card Access Additional Information: Our Visa Credit Card offers quick, secure and convenient access to your money in person, online, overseas and over the phone. Enjoy the convenience of paying directly from your account, with all of the security you'd expect from Visa.

• Other Additional Information: Securely lock your debit card in the Mobile App while you look for it and unlock it again when you find it

• Additional Cards Additional Information: No fees for additional cardholders

• Other Additional Information: Cards made from 82% recycled PVC

• Other Additional Information: Find the digital version of your card via the Mobile App before your physical card arrives in the mail.

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Unlimited Txns Additional Information: Unlimited electronic transactions available on your account

• Free Txns Additional Information: Unlimited free electronic transactions available on your account

• Npp Payid Additional Information: Get faster payments between participating banks, anytime with Pay ID

• Npp Enabled

• Digital Banking Additional Information: With PayTo, you can see, review and authorise all new PayTo payments for transactions such as recurring bills, memberships and subscriptions before the money leaves your account.

• Card Access Additional Information: A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe.

• Other Additional Information: Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets.

• Interest Free

• Other Additional Information: Minimum monthly repayment is the greater of 3% of the amount of the closing balance, or $20

Product Eligibility

• Residency Status - Permanent Resident. Additional Information: You must be an Australian citizen or permanent resident

• Min Age - 18.

• Natural Person

Bank Fees and Charges

• Visa Cash Advance Fee (Transaction), Amount: 4.00. Additional Information: A fee charged for cash advances and overseas transactions will attract an additional currency conversion fee

• Emergency Cash/card Visa Credit (Variable), Amount: 0.00. Additional Information: Third party fee charged when you need an emergency replacement card delivered to you (fee is charged at cost)

• Paper Statement Fee (Periodic), Amount: 2.00. Additional Information: A fee charged to cover the cost of producing and sending paper statements

• Quickdebit Dishonour Fee (Transaction), Amount: 20.00. Additional Information: A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction.

• Late Payment Fee (Event), Amount: 15.00. Additional Information: A fee charged when you don't make your minimum monthly payment, plus any overdue amount

• Foreign Currency Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: Foreign currency conversion fee charged on transaction value in AUD (overseas transactions)

• Eftpos Decline (Transaction), Amount: 1.00. Additional Information: A fee charged if you don't have enough money in your account for an EFTPOS transaction

• Atm Insufficient Funds (Transaction), Amount: 1.00. Additional Information: A fee charged if you don't have enough money in your account for an ATM withdrawal

• Outward Rtgs Payment Fee (Withdrawal), Amount: 30.00. Additional Information: A processing fee charged when you require funds to be sent straight away

• Inward Rtgs And Swift Payment Fee (Deposit), Amount: 10.00. Additional Information: A processing fee charged when you recieve funds through this channel

• Annual Credit Card Fee - Low Rate (Periodic), Amount: 50.00. Additional Information: An annual fee charged for Low Rate Visa Credit Card product

 Limitations & Restrictions (Constraints)

• Opening Balance of 1000.00

• Max Limit of 75000.00

• Min Limit of 1000.00