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The Product is a low interest rate credit card that provides individuals with a line of credit facility that has a low rate.
At a glance
- Purchase rate
- 14.99%
- Cash advance
- 22.24%
- Interest-free days
- 44
- Annual fee
- $0
- Foreign transaction fee
- 3.50%
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 14.99% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 43rd lowest of 51, level with one other |
| No annual feeOngoing purchase rate | 14.99% | 10.99%American Express' Low Rate Credit Card from American Express® | 14.84%of 10 institutions | 6th lowest of 10 |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 44 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 38th longest of 42, level with 3 others |
Rates
Every rate MyCard publishes for this credit card, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceCash advance rate | - | - | - | 22.24% | - | - |
| PurchaseRetail purchase rate | - | - | - | 14.99% | - | - |
Fees
9 fees published, grouped by when they're charged.
While you hold it2
- Additional Cardholder Fee
Charged per additional cardholder attached to your account.
No fee - Annual Fee
Charged on the anniversary of your account opening.
$149 a year
When you make a transaction4
- Domestic Cash Advance Fee
$3.50 per transaction amount or 3.5% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place. An ATM fee…
3.50% of transaction - International Cash Advance Fee
$3.50 per transaction amount or 3.50% of the transaction amount, whichever is higher, for a Cash Advance outside Australia, debited to your Account on the date the Cash Advance tasks place. Please no…
3.50% of transaction - International Transaction Fee
When you make a Retail Purchase or obtain a Cash Advance in Australian dollars while overseas, or while in Australia (for example online) where the merchant, or the financial institution or entity pr…
3.50% of transaction - Over-the-Counter Transaction Fee
Charged for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol.
$2.50
If a payment is late or fails1
- Late Payment Fee
The amount charged to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more.
$30 14 days after it's due
When particular things happen2
- Overlimit Fee
Only for accounts opened prior to 1 July 2012. Charged per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement…
No fee - Paper Statement Fee
Charged when we issue you a paper statement and debited to your Account on the last day of the Statement Period.
$2
Features
- 24/7 worldwide customer service and fraud protection
- 24/7 customer service if your card is lost or stolen.
Eligibility and limits
- Minimum age 18
- Residency: Must be an Australian resident
- Available to individuals
- Amount $2,000 to $100,000
Compare it with others
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Published by MyCard under the Consumer Data Right, last changed by them on 2 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.