Our highly anticipated Low Rate Credit Card has arrived! With a competitive rate, easy online application and up to 45 days interest free, our Low Rate Credit Card keeps things simple.

To celebrate the launch of our Credit Card, we're waiving the annual fee for the first year!


Here's what you can expect:

Retail purchase rate^ - 8.99% p.a.

Cash advance rate - 12.99% p.a.

Annual fee# - $59 (waived for the first year!)

Balance transfer* - 0% p.a. for 6 months


Interest free

Get up to 45 days interest free on purchases

Added security features

Instantly put a temporary lock on your card using the App or Internet Banking

Worldwide ATM access

Accepted at over 29 million locations and ATMs worldwide


Low Rate Credit Card is offered, issued and administered by Railways Credit Union Limited trading as MOVE Bank, Australian credit licence 234536. Terms and conditions apply and are available on our website. All credit card applications are subject to credit assessment and approval.

^The variable retail purchase rate is current as at 1/3/2019 and is subject to change. All rates are quoted per annum. For the current interest rate please
visit movebank.com.au.

#Other fees and charges apply.

*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, currently 8.99% p.a.