Community First
Credit Cards Review

Compare Community First Credit Cards Compare Community First credit cards – read our review and compare the features and benefits available from Community First. We can help you to make an informed decision and find a card that suits you.

Community First provides its members with an effective Credit Card solution to suit their individual needs. This is achieved through its great credit card that comes with a competitive rate that is spread across its features, so you will stay on the same rate for all cash advances, purchases and balance transfers.

The Community First Credit Card also comes with a very low annual fee, an additional card free of charge, 55 interest free days, and generous credit limits (subject to lending guidelines). Cardholders are also protected against fraud when making payments online with Verified by Visa, with additional protection offered on card repayments with loan protection insurance.

Top 5 Credit Cards products

Card
Issuer
Balance Transfers
Purchases
Std APR p.a
Annual Fee
Apply
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Citibank Clear Platinum
Get complimentary international travel insurance, purchase cover and extended warranty insurance
Rate 0%
Duration 6 mths
Rate 0%
Duration 6 mths
11.99%
$99 - $50 off in 1st year = $49
Apply >
More Info
HSBC Credit Card
No Annual Fee for life of the Card.
Rate 0%
Duration 6 mths
Rate N/A
Duration N/A
17.99%
Free For Life
Apply >
More Info
St.George Vertigo
Low ongoing rate and Balance Transfer offer
Rate 2.99%
Duration 6 mths
Rate N/A
Duration N/A
13.24%
No Annual Fee in 1st Yr, then $55
Apply >
More Info
Bank of Melbourne Vertigo
Low ongoing rate and Balance Transfer offer
Rate 2.99%
Duration 6 mths
Rate N/A
Duration N/A
13.24%
No Annual Fee in 1st Yr, then $55
Apply >
More Info
Bankwest Breeze Classic MasterCard
12 months extra warranty + If you find cheaper within 21 days, claim the difference.
Rate 0%
Duration 6 mths
Rate 0%
Duration 4 mths
11.99%
$59 p.a.
Apply >
More Info

Citibank Clear Platinum

Advice

Save $50 on your 1st years annual fee reducing the cost from $99 to $49! Also, get up to 4 additional card holders - annual fee of $19 each. Standard rate will change to 12.99% p.a. from 1 October.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 6 mths
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 11.99% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $99 - $50 off in 1st year = $49
Standard Features
Credit Limit: $20,000
Interest Free Days: Up to 55 days
On-Line Banking: No
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $40,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

HSBC Credit Card

Advice

No Annual Fee for Life

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: N/A
Purchases: 17.99% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: Free For Life
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have a Income of over $20,000.pa

St.George Vertigo

Advice

Low ongoing rate and Balance Transfer offer

Introductory Offer
Balance Transfer Rate: 2.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.24% p.a.
Purchases: 13.24% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $55
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an income of $15,000 or more per year

Bank of Melbourne Vertigo

Advice

Low ongoing rate and Balance Transfer offer

Introductory Offer
Balance Transfer Rate: 2.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.24% p.a.
Purchases: 13.24% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $55
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an income of $15,000 or more per year

Bankwest Breeze Classic MasterCard

Advice

Please note this card offers a standard rate of 11.99%p.a - Australia's lowest MasterCard purchase rate! Australia's cheapest credit card, awarded by Money magazine 2012!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 4 mths
Annual Rates
Balance Transfers: 11.99% p.a.
Purchases: 11.99% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: $59 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Earned Taxable Income of over $20,000.pa

NAB Premium Card

Advice

Get 1% on Balance Transfers for 12 months if you apply by 17th April 2013

Introductory Offer
Balance Transfer Rate: 4.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.49% p.a.
Purchases: 19.49% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $90 p.a.
Standard Features
Credit Limit: Minimum $5000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are NOT Self-employed
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery) as the only form of street address
  • You have an Income of over $50,000 p.a

NAB Low Rate

Advice

The NAB Low Rate Card offers one of the lowest standard rates of any card in Australia! Get 12 months 1% on Balance Transfers (if you apply by 17th April 2013)

Introductory Offer
Balance Transfer Rate: 4.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.99% p.a.
Purchases: 13.99% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $59 p.a.
Standard Features
Credit Limit: Minimum $500
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are NOT Self-employed
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery)as the only form of street address

Virgin Money Velocity Flyer Card (BT Offer)

Advice

Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second complimentary seat on the flight, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 9 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $129
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Westpac Low Rate Card

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.49% p.a.
Purchases: 13.49% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $45 p.a.
Standard Features
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

St.George Gold Card

Advice

Gold Includes: - High Credit Limits from $5,000 - Travel Insurance - Transit Accident Insurance - Purchase cover - Extended warranty on purchases

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 15.99% p.a.
Purchases: 15.99% p.a.
Cash Advance: 20.24% p.a.
Annual Fee: $79 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Citibank Rewards Platinum

Introductory Offer
Balance Transfer Rate: 1.50% p.a. for 15 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 20.99% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $199 p.a
Standard Features
Credit Limit: $20,000
Interest Free Days: Up to 55 days
On-Line Banking: No
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $40,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

HSBC Platinum Qantas Card

Advice

Receive a bonus 20,000 Qantas Frequent Flyer points. You can redeem those points for a Classic Award economy flight from Sydney to Melbourne (8,000 points plus $23.53 in surcharges, fees and taxes).

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 18.99% p.a.
Purchases: 18.99% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: $199
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have a Income of over $60,000.pa

Virgin Money Velocity Flyer Card (Points Offer)

Advice

Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second complimentary seat on the flight, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate: 2.90% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $129
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Westpac 55 Day Classic Card

Advice

For your loyalty, every year you spend at least $10,000 p.a. Westpac will waive the annual fee the following year!!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: 1%
Purchase Rate: 0% p.a. for 6 mths
Annual Rates
Balance Transfers: 19.59% p.a.
Purchases: 19.59% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $30
Standard Features
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Westpac Earth

Advice

Get complimentary international travel insurance, purchase cover and extended warranty insurance. Also get 10,000 Bonus Qantas Frequent Flyer points on new Earth cards. Apply between 2 April – 1 July 2013.

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $75 p.a.
Standard Features
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Westpac Earth Platinum

Advice

Get complimentary international travel insurance, purchase cover and extended warranty insurance. Also get 20,000 Bonus Qantas Frequent Flyer points on new Earth Platinum cards. Apply between 2 April – 1 July 2013.

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $125
Standard Features
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Westpac Altitude

Advice

Receive 10,000 bonus Altitude points when you first use either card for a purchase!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $100 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Approval Criteria
  • You are aged 18 years or over
  • You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
  • You earn a minimum income of $15,000p.a

Westpac Altitude Platinum

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.59% p.a.
Annual Fee: $295 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Approval Criteria
  • You are aged 18 years or over
  • You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
  • You earn a minimum income of $65,000p.a

Suncorp Gold Card

Advice

An additional annual fee of $19 will apply to join Suncorp Qantas Frequent Flyer program. $15 for an Additional Suncorp Clear Options Gold

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.25% p.a.
Purchases: 20.25% p.a.
Cash Advance: 20.75% p.a.
Annual Fee: 50% off No Annual Fee in 1st Yr, then $120
Standard Features
Credit Limit: $60,000
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • Are at least 18 years of age
  • Have a good credit rating
  • Earn taxable income of $35,000 per year or more
  • Are a permanent Australian resident
  • If you are an existing Suncorp credit cardholder, you must have held your current account for at least 9 months before you can apply for another Suncorp credit card.

Aussie Mastercard

Advice

With the low rate Aussie MasterCard® they've done away with unnecessary extras like expensive rewards. You get a no-nonsense credit card with a great low rate on purchases.

Introductory Offer
Balance Transfer Rate: 5.99% p.a. for 5 mths
Balance Transfer Fee: N/A
Purchase Rate: 2.99% p.a. for 4 mths
Annual Rates
Balance Transfers: 12.49% p.a.
Purchases: 12.49% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $49 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa
  • If you are NOT permanent resident/citizen of Australia you must have an Income of over $50,000.pa

Virgin Low Rate Card

Introductory Offer
Balance Transfer Rate: 2.90% p.a. for 9 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.69% p.a.
Purchases: 10.99% p.a.
Cash Advance: 21.69% p.a.
Annual Fee: $99
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Virgin No Annual Fee Card

Introductory Offer
Balance Transfer Rate: 2.90% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 18.99% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: Free For Life
Standard Features
Credit Limit: $2,000 - $10,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $25000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Citibank Ready Credit

Advice

There is a $69 card activation fee charged on first spend. There are NO ANNUAL FEE or transaction, EFTPOS or cash advance fees with this card.

Introductory Offer
Balance Transfer Rate: 5.90% p.a. for 24 mths
Balance Transfer Fee: N/A
Purchase Rate: 5.90% p.a. for 18 mths
Annual Rates
Balance Transfers: 18.99% p.a.
Purchases: 18.99% p.a.
Cash Advance: 18.99% p.a.
Annual Fee: $69 Establishment Fee - No Ongoing Fee
Standard Features
Credit Limit: $25,000
Interest Free Days: Up to 0 days
On-Line Banking: No
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $35,000.pa
  • You are NOT an existing Citibank customer & have NOT made an application to Citibank within the last 9 months

St.George Amplify

Advice

You have a choice of St.George Amplify Reward Points or Qantas Reward Points

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 18.74% p.a.
Purchases: 18.74% p.a.
Cash Advance: 20.74% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $79
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

St.George Platinum

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 15.99% p.a.
Purchases: 15.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $89
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Bankwest More Classic Card

Advice

Get 4,000 Qantas Frequent Flyer points after first use of your card!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.49% p.a.
Purchases: 19.49% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: $70 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Earned Taxable Income of over $15,000.pa

St.George No Annual Fee

Advice

You have no Interest Free days with this card. Interest is applied from the moment a purchase is made.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.49% p.a.
Purchases: 20.49% p.a.
Cash Advance: 20.49% p.a.
Annual Fee: $0 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 0 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Suncorp Standard Card

Advice

There is NO interest free days with this card. You start incurring interest at the rate of 12.74%p.a as soon as you make a purchase!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 12.74% p.a.
Purchases: 12.74% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: $27 in the 1st year, $55 thereafter
Standard Features
Credit Limit: $20,000
Interest Free Days: Up to 0 days
On-Line Banking: Yes
Approval Criteria
  • Are at least 18 years of age
  • Have a good credit rating
  • Earn taxable income of $20,000 per year or more
  • Are a permanent Australian resident
  • If you are an existing Suncorp credit cardholder, you must have held your current account for at least 9 months before you can apply for another Suncorp credit card.

Virgin Money Velocity High Flyer Card

Advice

Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second seat on the flight for FREE, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate: 1.90% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $289
Standard Features
Credit Limit: $15,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $75,000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

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