The Finance Algorithm
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Low Rate Visa Credit Card

With a low annual fee and a low ongoing interest rate for purchases, the Low Rate Visa Credit Card is the only credit card you'll ever need. Plus, with our competitive 12-month balance transfer rate, you can also transfer your outstanding balances from other credit or store cards to RSL Money for 0.00% p.a (introductory rate).

Credit cardsBank updated 1 Oct 2026
Apply at RSL Money ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
11.99%
Cash advance
19.99%
Interest-free days
55
Annual fee
$49
Foreign transaction fee
3.00%
VISA Credit

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.

This credit card: 11.99%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers11.99%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions17th lowest of 51, level with 5 others
Interest-free daysDays without interest on purchases when the balance is paid in full55 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions2nd longest of 42, level with 30 others

Rates

Every rate RSL Money Prod publishes for this credit card, 3 in all.

TypeApplies toTermBandRateComparisonConditions
Cash advance---19.99%--
FixedIntroductory balance transfer rate: 0.00% p.a. for 12 months-1 yr fixed-0.00%--
Purchase---11.99%--

Fees

13 fees published, grouped by when they're charged.

While you hold it2

  • Annual fee - credit card
    $49 a year
  • Paper statement fee (per statement)
    $2 a month

When you make a transaction2

  • Foreign Currency Conversion fee
    3.00% of transaction
  • Overseas ATM withdrawals
    $4.50

When particular things happen9

  • Archive retrieval fee

    Per hour fee applies plus any expenses incurred

    From $50
  • Arrears notice fee

    2nd and subsequent reminders by letter or phone

    $20
  • Audit Certificate Fee

    Per audit certificate requested

    $50
  • Cash advance fee

    $4.50 per ATM or cash out withdrawal or internal/external transfer. There may be an additional direct fee charged by third party ATM operators which will be displayed on the ATM screen. You will only…

    $4.50
  • Declined Visa dispute

    If a Visa dispute lodged by you is declined and found that the claim was invalid

    $30
  • Default notice fee

    Payable when a notice is issued regarding a default under the credit card contract

    $30
  • Late payment fee - credit card
    $10
  • Paper statements printed at branch or posted

    per page. $2.50 if printed at branch, $5 if posted

    $2.50 to $5
  • Visa card replacement processing fee

    At cost

    From $20

Features

Digital banking55 interest-free days

Eligibility and limits

  • Minimum age 18
  • Residency: Individuals must be citizens or permanent residents of Australia.
  • Employment: Applicants must be currently employed or receiving a regular income.
  • Amount $2,000 to $50,000
  • Only RSL Sub Branch members can apply for this account

Published by RSL Money under the Consumer Data Right, last changed by them on 1 Oct 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.