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Rates & Features

  Interest rate
Credit Card Introductory Rate 7.74% p.a.
Credit Card Standard Rate 13.49% p.a.

Product Features:

Credit Cards
Minimum credit limit $1,000
Maximum credit limit $30,000 (subject to ability to repay
Minimum age for a Visa Credit Card 18 years
Interest rate Variable
Interest charges Calculated daily; charged monthly
Additional cardholder Yes. Available to anyone aged over 16 and added as an Authority to Operate on the Account.
Repayment Amount If the outstanding balance is not fully paid each month, the minimum monthly repayment is $20 or 2% of the balance, whichever is greater.
ATM & EFTPOS Access Yes
Google, Apple and Samsung Pay Yes – in stores where contactless payments are accepted
Cash Advance Facilities Yes
Reduced Fixed Introductory Rate for the first 6 months Yes. Reverts to standard variable interest rate at the end of the first 6 months.
Worldwide acceptance Yes

Frequently Asked Questions

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Personal Loan calculators

Use our Personal Loan calculators to determine the amount you can borrow and monthly repayment amounts.

  • 1 Credit Card Introductory Rate is fixed for purchases and balance transfers for the first 6 months. After the 6 months, the rate reverts to our variable Credit Card Standard Rate. Minimum credit limit $1,000. Maximum credit limit $30,000 subject to ability to pay.

Eligibility criteria, terms and conditions, fees and charges apply. All information including interest rate is subject to change.

* After the first year has expired, an annual fee of $60 will be applied each year.