RSL Money Prod
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 15 Sept 2026
At a glance
- Purchase rate
- 11.99%
- Cash advance
- 19.99%
- Interest-free days
- 45
- Annual fee
- $49
- Foreign transaction fee
- 3.00%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | — | — | — | 19.99% | — | — |
| FixedIntroductory balance transfer rate: 0.00% p.a. for 12 months | — | 1 yr fixed | — | 0.00% | — | — |
| Purchase | — | — | — | 11.99% | — | — |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Archive retrieval fee | Event | $50 | — | Per hour fee applies plus any expenses incurred |
| Arrears notice fee | Event | $20 | — | 2nd and subsequent reminders by letter or phone |
| Audit Certificate Fee | Event | $50 | — | Per audit certificate requested |
| Cash advance fee | Event | $4.50 | — | $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… |
| Declined Visa dispute | Event | $30 | — | If a Visa dispute lodged by you is declined and found that the claim was invalid |
| Default notice fee | Event | $30 | — | Payable when a notice is issued regarding a default under the credit card contract |
| Late payment fee - credit card | Event | $10 | — | — |
| Paper statements printed at branch or posted | Event | $2.50 to $5 | — | per page. $2.50 if printed at branch, $5 if posted |
| Visa card replacement processing fee | Event | $20 | — | At cost |
| Annual fee - credit card | Periodic | $49 | Every 1 yr | — |
| Paper statement fee (per statement) | Periodic | $2 | Every 1 mo | — |
| Foreign Currency Conversion fee | Transaction | 3.00% of transaction | — | — |
| Overseas ATM withdrawals | Withdrawal | $4.50 | — | — |
§ 03 — Features
Digital banking45 interest-free days
§ 04 — Eligibility & 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
§ 06 — Run the numbers
Put this product through a calculator
Published by RSL Money under the Consumer Data Right, last changed by them on 15 Sept 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.