All in One Rewards Package


Enjoy a wide range of discounts and benefits on loans, credit cards, everyday banking and insurance for a single annual package fee. The All in One Rewards Package is a great option if you are buying a new home, refinancing or investing in property.

  • Interest rate DISCOUNTS on new All in One home loans1
  • UNLIMITED Visa, EFTPOS, ATM2 transactions3
  • CASH REBATES for insurance
  • NO monthly account keeping fees
  • NO annual Visa Credit Card fee4
  • 100% interest offset facility, with a Visa Debit Card attached
  • DISCOUNTS on Personal, Car and Consolidation Loans

3.30% pa5 
Owner Occupied
Variable rate

3.73% pa 
Comparison rate

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All displayed interest rates for Owner Occupied loans only. Investment rates available by clicking here

All in one Rewards Package - $750000+ - Owner Occupied
Interest Rates
Variable Interest Rate3.30% pa
Comparison Rate3.73% pa
Establishment Fee$953 
Legal FeesAt cost
Valuation FeesAt cost
Redraw FacilityUnlimited Free Redraw 
Offset AccountYes 
Additional Repayments AcceptedYes 
Additional Repayments Fee$0 
Loan periodUp to 30 years
RepaymentsMonthly Fortnightly Weekly
Interest chargesCalculated daily, charged monthly
Top up facility availableMin $10,000
Monthly account keeping/service feesNo
Auto repayments salary/accountYes
FREE monthly transactionsYes
Annual fee on Visa Credit CardNo
Access to Premium Rate for personal loansYes 
Switching fee to Fixed RateNo
Bonus rate on Term DepositsYes
Repayment HolidayYes
Variable and lump sum repaymentsYes
Early Repayment FeeYes

Credit eligibility criteria, terms and conditions, fees and charges apply.

1. The Rewards PACKAGE can be added for existing All In One Home Loan members who add an additional minimum $100,000 to their existing Home Loan balance.
2. Third party transaction fees may apply when you use ATMs of another financial institution or where they imposed by a merchant.
3. Only one Access savings account (or any other accounts as agreed) which must be in the name of any of the parties included in the Rewards Package is eligible for the waiver of Excess Transaction Fees. Other fees and charges may apply.
4. Only one Visa Credit Card fee is waived and must be under the name of one of the Rewards Package applicants.
5. These rates are for secured loans only. Available for new home loan, refinances from competitors and top-ups. Minimum amount on new home loan is $150,000.
6. Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

View All in One Product Information Sheet