Credit Cards - Budget 'can help with money management'
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Budget 'can help with money management'
The setting up of a budget can prove to be an effective means for people to get to grips with their finances, it has been suggested.
Commenting on the launch of Wesley Mission's online budgeting website, Graeme Cole of the organisation claims that planning finances can be especially useful for those consumers who are "in over their heads".
Indeed, financial counsellor Sandra Bourke adds that a lack of preparation can see people struggle to keep up with demands for payment on essentials such as utilities.
And she claims that while credit cards are often used to supplement spending, this can be the start of major financial difficulties.
Ms Bourke goes on to claim that people are placing less money into saving accounts these days.
She adds that many people are spending more money than they are actually bringing in, with credit cards especially playing a factor in overspending.
Earlier this month, Michelle House, creator of secretbudget.net, told the Courier Mail that as money is "a precious, finite resource" setting up a budget can help monitor regular areas of financial demand.
Written by Emma North
Commenting on the launch of Wesley Mission's online budgeting website, Graeme Cole of the organisation claims that planning finances can be especially useful for those consumers who are "in over their heads".
Indeed, financial counsellor Sandra Bourke adds that a lack of preparation can see people struggle to keep up with demands for payment on essentials such as utilities.
And she claims that while credit cards are often used to supplement spending, this can be the start of major financial difficulties.
Ms Bourke goes on to claim that people are placing less money into saving accounts these days.
She adds that many people are spending more money than they are actually bringing in, with credit cards especially playing a factor in overspending.
Earlier this month, Michelle House, creator of secretbudget.net, told the Courier Mail that as money is "a precious, finite resource" setting up a budget can help monitor regular areas of financial demand.
Written by Emma North
Monday, 29 June 2009 00:00
| Card | Balance Transfers | Typical APR (variable) | Annual Fee | Apply |
|---|---|---|---|---|
| View Full Table > | ||||
 |
Citibank Clear Platinum | |||
|
0%
6 mths
|
11.49%
|
$99 - $50 off in 1st year = $49
|
||
 |
ANZ Low Rate Card | |||
|
0%
6 mths
|
13.24%
|
$58 p.a.
|
||
 |
ANZ Balance | |||
|
0%
6 mths
|
14.24%
|
$79 p.a.
|
||
 |
HSBC Credit Card | |||
|
0%
6 mths
|
16.99%
|
Free For Life
|
||
 |
Citibank Clear | |||
|
0%
6 mths
|
15.49%
|
$65 p.a.
|
||
Introductory Offer
- Balance Transfer Rate:
- 0% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 11.49% p.a.
- Balance Transfers:
- 11.49% p.a.
- Cash Advance:
- 21.24% p.a.
- Annual Fee:
- $99 - $50 off in 1st year = $49
Standard Features
- Credit Limit:
- $20,000
- Interest Free Days:
- Up to 55 days
- Online 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 $50,000.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
Introductory Offer
- Balance Transfer Rate:
- 0% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 13.24% p.a.
- Balance Transfers:
- 13.24% p.a.
- Cash Advance:
- 21.49% p.a.
- Annual Fee:
- $58 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 0% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 14.24% p.a.
- Balance Transfers:
- 14.24% p.a.
- Cash Advance:
- 21.49% p.a.
- Annual Fee:
- $79 p.a.
Standard Features
- Credit Limit:
- $15,000
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 0% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 16.99% p.a.
- Balance Transfers:
- N/A
- Cash Advance:
- 20.75% p.a.
- Annual Fee:
- Free For Life
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 0% p.a. 6 mths
- Purchase Rate:
- 11.99% p.a. 12 mths
Standard Rates
- Purchases:
- 15.49% p.a.
- Balance Transfers:
- 15.49% p.a.
- Cash Advance:
- 21.24% p.a.
- Annual Fee:
- $65 p.a.
Standard Features
- Credit Limit:
- $20,000
- Interest Free Days:
- Up to 55 days
- Online 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 $20,000.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
Introductory Offer
- Balance Transfer Rate:
- 0% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 20.24% p.a.
- Balance Transfers:
- 20.24% p.a.
- Cash Advance:
- 21.99% p.a.
- Annual Fee:
- Free For Life
Standard Features
- Interest Free Days:
- Up to 62 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 1.90% p.a. 12 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 12.24% p.a.
- Balance Transfers:
- 12.24% p.a.
- Cash Advance:
- 17.99% p.a.
- Annual Fee:
- $39 p.a.
Standard Features
- Credit Limit:
- $20,000
- Interest Free Days:
- Up to 0 days
- Online 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.
Introductory Offer
- Balance Transfer Rate:
- 1.90% p.a. 12 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 19.75% p.a.
- Balance Transfers:
- 19.75% p.a.
- Cash Advance:
- 19.75% p.a.
- Annual Fee:
- $99 p.a.
Standard Features
- Credit Limit:
- $60,000
- Interest Free Days:
- Up to 55 days
- Online 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.
Introductory Offer
- Balance Transfer Rate:
- 1.90% p.a. 12 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 19.99% p.a.
- Balance Transfers:
- 19.99% p.a.
- Cash Advance:
- 19.99% p.a.
- Annual Fee:
- $63 p.a.
Standard Features
- Credit Limit:
- $7,500
- Interest Free Days:
- Up to 55 days
- Online 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.
Introductory Offer
- Balance Transfer Rate:
- 1.99% p.a. 9 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 10.75% p.a.
- Balance Transfers:
- 10.75% p.a.
- Cash Advance:
- 21.74% p.a.
- Annual Fee:
- $59 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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 Earned Taxable Income of over $20,000.pa
Introductory Offer
- Balance Transfer Rate:
- 3.99% p.a. 9 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 16.99% p.a.
- Balance Transfers:
- 16.99% p.a.
- Cash Advance:
- 16.99% p.a.
- Annual Fee:
- Free For Life
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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 Earned Taxable Income of over $20,000.pa
Introductory Offer
- Balance Transfer Rate:
- 2.99% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 12.49% p.a.
- Balance Transfers:
- 12.49% p.a.
- Cash Advance:
- 21.24% p.a.
- Annual Fee:
- $55 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 2.90% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 16.95% p.a.
- Balance Transfers:
- 16.95% 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
- Online Banking:
- Yes
Approval Criteria
- You are at least 18 Years of Age
- You have an annual Income of $20000 p.a. or more.
Introductory Offer
- Balance Transfer Rate:
- 2.99% p.a. 6 mths
- Purchase Rate:
- 2.99% p.a. 6 mths
Standard Rates
- Purchases:
- 12.99% p.a.
- Balance Transfers:
- 12.99% p.a.
- Cash Advance:
- 19.79% p.a.
- Annual Fee:
- $49 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 2.90% p.a. 12 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 13.24% p.a.
- Balance Transfers:
- 13.24% p.a.
- Cash Advance:
- 20.74% p.a.
- Annual Fee:
- $58 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 2.90% p.a. 12 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 14.24% p.a.
- Balance Transfers:
- 14.24% p.a.
- Cash Advance:
- 21.49% p.a.
- Annual Fee:
- $79 p.a.
Standard Features
- Credit Limit:
- $15,000
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 3.90% p.a. For Life
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 19.99% p.a.
- Balance Transfers:
- 19.99% p.a.
- Cash Advance:
- 19.99% p.a.
- Annual Fee:
- $205 p.a.
Standard Features
- Credit Limit:
- $100,000
- Interest Free Days:
- Up to 55 days
- Online Banking:
- Yes
Approval Criteria
- Are at least 18 years of age
- Have a good credit rating
- Earn taxable income of $50,000 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.
Introductory Offer
- Balance Transfer Rate:
- 0.99% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 18.49% p.a.
- Balance Transfers:
- 18.49% p.a.
- Cash Advance:
- 20.49% p.a.
- Annual Fee:
- $79 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 1.99% p.a. 9 mths
- Purchase Rate:
- 0% p.a. 5 mths
Standard Rates
- Purchases:
- 19.34% p.a.
- Balance Transfers:
- 19.34% p.a.
- Cash Advance:
- 21.24% p.a.
- Annual Fee:
- No Annual Fee in 1st Yr, then $30
Standard Features
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 1.99% p.a. 9 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 13.24% p.a.
- Balance Transfers:
- 13.24% p.a.
- Cash Advance:
- 21.24% p.a.
- Annual Fee:
- $45 p.a.
Standard Features
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 1.90% p.a. 12 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 20.74% p.a.
- Balance Transfers:
- 20.74% p.a.
- Cash Advance:
- 21.24% p.a.
- Annual Fee:
- $149 p.a.
Standard Features
- Credit Limit:
- $60,000
- Interest Free Days:
- Up to 55 days
- Online 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 $35,000.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
Introductory Offer
- Balance Transfer Rate:
- 3.99% p.a. 12 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 12.99% p.a.
- Balance Transfers:
- 12.99% p.a.
- Cash Advance:
- 19.79% p.a.
- Annual Fee:
- $49 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 3.99% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 15.74% p.a.
- Balance Transfers:
- 15.74% p.a.
- Cash Advance:
- 21.24% p.a.
- Annual Fee:
- $89 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 0.99% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 19.64% p.a.
- Balance Transfers:
- 19.64% p.a.
- Cash Advance:
- 21.14% p.a.
- Annual Fee:
- $75 p.a.
Standard Features
- Interest Free Days:
- Up to 45 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 0.99% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 19.64% p.a.
- Balance Transfers:
- 19.64% p.a.
- Cash Advance:
- 21.14% p.a.
- Annual Fee:
- $125 p.a.
Standard Features
- Interest Free Days:
- Up to 45 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 0.99% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 19.64% p.a.
- Balance Transfers:
- 19.64% p.a.
- Cash Advance:
- 21.14% p.a.
- Annual Fee:
- No Annual Fee in 1st Yr, then $250
Standard Features
- Interest Free Days:
- Up to 45 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 5.99% p.a. 5 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 19.99% p.a.
- Balance Transfers:
- 21.49% p.a.
- Cash Advance:
- 21.49% p.a.
- Annual Fee:
- $24, or Free if you spend $1000+p.a
Standard Features
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 5.99% p.a. 5 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 20.49% p.a.
- Balance Transfers:
- 21.49% p.a.
- Cash Advance:
- 21.49% p.a.
- Annual Fee:
- $144 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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 $50,000.pa
Introductory Offer
- Balance Transfer Rate:
- 5.99% p.a. 5 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 20.49% p.a.
- Balance Transfers:
- 21.49% p.a.
- Cash Advance:
- 21.49% p.a.
- Annual Fee:
- $280 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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 $50,000.pa
Introductory Offer
- Balance Transfer Rate:
- 5.99% p.a. 5 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 20.49% p.a.
- Balance Transfers:
- 21.49% p.a.
- Cash Advance:
- 21.49% p.a.
- Annual Fee:
- $89 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 7.99% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 18.99% p.a.
- Balance Transfers:
- 18.99% p.a.
- Cash Advance:
- 20.74% p.a.
- Annual Fee:
- $87 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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 $50,000.pa
Introductory Offer
- Balance Transfer Rate:
- 7.99% p.a. 6 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 18.99% p.a.
- Balance Transfers:
- 18.99% p.a.
- Cash Advance:
- 20.74% p.a.
- Annual Fee:
- $30 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 44 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 1.99% p.a. 9 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 19.34% p.a.
- Balance Transfers:
- 19.34% p.a.
- Cash Advance:
- 21.24% p.a.
- Annual Fee:
- No Annual Fee in 1st Yr, then $90
Standard Features
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 1.99% p.a. 9 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 19.64% p.a.
- Balance Transfers:
- 19.64% p.a.
- Cash Advance:
- 21.24% p.a.
- Annual Fee:
- $100 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 45 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- 1.99% p.a. 9 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 19.64% p.a.
- Balance Transfers:
- 19.64% p.a.
- Cash Advance:
- 21.24% p.a.
- Annual Fee:
- $150 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 45 days
- Online 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 $50,000p.a
Introductory Offer
- Balance Transfer Rate:
- 1.99% p.a. 9 mths
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 19.64% p.a.
- Balance Transfers:
- 19.64% p.a.
- Cash Advance:
- 21.24% p.a.
- Annual Fee:
- $295 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 45 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- N/A
- Purchase Rate:
- 4.99% p.a. 9 mths
Standard Rates
- Purchases:
- 12.99% p.a.
- Balance Transfers:
- 12.99% p.a.
- Cash Advance:
- 19.79% p.a.
- Annual Fee:
- $49 p.a.
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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
Introductory Offer
- Balance Transfer Rate:
- N/A
- Purchase Rate:
- N/A
Standard Rates
- Purchases:
- 12.99% p.a.
- Balance Transfers:
- 12.99% p.a.
- Cash Advance:
- 19.79% p.a.
- Annual Fee:
- No Annual Fee in 1st Yr, then $49
Standard Features
- Credit Limit:
- Subject to Status
- Interest Free Days:
- Up to 55 days
- Online 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
