Get straightforward value

$0 annual fee
for the first year *

0% p.a. for 6 months
on balance transfers 1

Ongoing low rate of
8.99% p.a. on purchases

Up to 45 days interest free​
on purchases 2

Product Features:

Credit Card
Retail purchase rate : 8.99% pa
Cash advance rate : 12.99% pa
Balance transfer interest rate : 0% pa for 6 months
Annual fee : $59 (waived for the first year!)
Minimum credit limit : $1,000
Maximum credit limit : $25,000
Paper statement fee : $3
Minimum repayments : 3% of outstanding balance or $20 whichever is greater
Over limit fee : $10
Late payment fee : $15
Interest free period : Up to 45 days
Visa cash advance fee : $5


Terms and conditions apply. All credit card applications are subject to credit assessment and approval. The variable retail purchase rate is subject to change. All rates are quoted per annum. *Other fees and charges apply.


  • 1 Balance transfer available to refinance debt from other lenders up to 80% of the approved limit. The 0% p.a. interest rate applies to balances transferred at point of application for a period of 6 months, commencing once the balance transfer has been processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable annual percentage rate for purchases.
  • 2 The number of interest free days depends on when you make your purchase and when your statement is issued. There are no interest free days for cash advances or balance transfers