Credit Cards - 40% of Australians 'to rely on credit cards this quarter'
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Latest News 40% of Australians 'to rely on credit cards this quarter'
40% of Australians 'to rely on credit cards this quarter'
Credit cards will be used to pay bills by nearly half of Australians in the first quarter of the year.
Nearly half of Australians will use credit cards to pay bills in the first quarter, a survey has found.Younger people made up 56 per cent of this total, the credit expectations survey by credit reporters Dun and Bradstreet found.
Christine Christian, chief executive of Dun and Bradstreet, said it was a "cause for concern" and noted that credit would become more expensive as the year progresses.
She warned: "Further increases in the cost of credit for those groups already under pressure could trigger an irreversible spiral into serious debt troubles."
Ms Christian said the interest rate increase announced by the Reserve Bank is now affecting Australian credit card customers.
Earlier this month Money-AU, an Australian finance news site, recommended a 0% balance transfer is a good way to sort out debt, as one of its consumer tips for saving.
By Kate Guthrie
Thursday, 28 January 2010 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
