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Low Rate Visa Credit Card

Low Rate Visa Credit Card

Product Image

Purchase Rate
11.99 %

Cash Advance Rate 11.99% p.a.
Interest Free Up to 55 days
Annual Fee$24.00
Balance Transfer Rate 1.99% p.a.for first 6 months
Intro Purchase Rate 1.99% p.a.for up to 6 months

  • - Up to 55 days interest free on purchases.
  • - No application fee.
  • - Competitive, low interest rate.
  • - Low monthly fee (waived for first 6 months).
  • - Low intro rate for the first 6 months.
  • - Intro rate applies to purchases and balance transfers.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

Rewards Points per Dollar Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines

Annual Fee $24.00 Minimum Repayment Greater of 3% or $25.00
Annual Fee First Year $12.00 Interest Charged From Purchase Date
Rewards Joining Fee Late Payment Fee $0.00
Supplementary Card Fee $0.00    
Duplicate Statement Fee $2.00 Overseas ATM Balance Fee $0.00
Transaction Verification Fee $30.00 Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $15.00 Overseas Emergency Card Replacement Fee $175.00

Terms & Conditions
* New accounts only, opened from 1 November 2016. Offer may be withdrawn at any time. After the first 6 months, interest rate will revert to the variable rate and a monthly fee will apply. This product is provided by First Option Credit Union Limited ABN 95 087 650 735, Australian Credit Licence 236 509. Terms, conditions, fees and charges apply. Standard lending criteria apply.

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* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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