Low Rate Visa Credit Card
Get what you need from your credit card, at a low rate.
0% p.a. on balance transfers for 18 months with no balance transfer fee¹.
Terms and conditions apply. New customers only.
Low Rate Visa Credit Card
If paying down your balance each month is keeping you up, our Low Rate Visa Credit Card can help you keep costs down.
Credit card rates and fees
$ 55 p.a.
Annual fee
13.49 %P.A.
Low interest rate on purchases
55 days
Interest free period up to 55 days²
Latest Credit Card Offer
0% p.a. on balance transfers for 18 months¹ | No balance transfer fee.
Feel on top of your finances with no interest for 18 months on balance transfers¹ plus no balance transfer fee. No interest free days apply while you have a balance transfer.
Reverts to cash advance rate. No interest free days apply while you have a balance transfer.
Get to know our Low Rate Visa Credit Card
Security and fraud protection
Protected by Visa’s multiple layers of security. Data provided to Visa by acquiring financial institutions and other third parties.
Instalment Plans
With Instalment Plans, you can break your purchases into manageable monthly instalments over a set term.3 Find out more.
Worldwide ATM Access
Accepted at over 61 million merchant locations worldwide
Interest rates and fees
| Annual fee | Annual percentage rate (% p.a.) - Purchases |
Annual percentage rate (% p.a.) - Cash |
Interest free days on purchases2 |
|---|---|---|---|
| $55 | 13.49 | 21.49 |
Up to 55 days (unless you have a balance transfer) |
A full list of fees and charges are provided in our Credit Card Fees and Charges Guide below.
Ready to apply?
To apply for the Low Rate Credit Card, you must:
- Be at least 18 years of age
- Have a good credit rating
- Earn a taxable income of $25,000 per year or more
- Be a permanent Australian resident or citizen
What you'll need for your application
- Your income and expense details
- Your driver's license number
- Your employment details
- Your balance transfer account details (if applicable). Your total balance transfers may not exceed 80% of your credit limit.
Applying online will take around 10 minutes
- Load saved application
- Call us on 1300 55 72 72
You might also be interested in:
Earn Q Rewards Points with a Blue Visa Credit Card
Blue Visa Credit Card
Earn 1 Q Rewards® point for each dollar spent on Eligible Purchases and redeem them for a range of options like evouchers, cashback and pay with points.4
- Earn 1 Q Rewards point for every dollar spent on Eligible Transactions4
- 0% p.a. on purchases and balance transfers for 9 months. Purchase rate reverts to standard purchase rate thereafter, balance transfer reverts to cash advance rate thereafter. No interest free days apply to retail purchases at the end of the promotional period while you have a balance transfer^^
- No fees on balance transfers
Earn Q Rewards Points and enjoy perks
Platinum Visa Credit Card
Everything you need, with all of the Platinum Credit Card benefits. Including insurance and extended warranties+ (terms, conditions, limits and exclusions apply).
- Earn 100,000 bonus Q Rewards® points when you spend $4,500 on Eligible Transactions in the first 3 months from approval++
- 0% p.a. on balance transfers for 12 months, reverting to the cash advance rate thereafter. 1% balance transfer fee applies. No interest free days apply to retail purchases while you have a balance transfer^^
- Earn 2 Q Rewards points for every dollar spent on Eligible Transactions 4
