Credit Cards - Term deposit accounts could be 'safe home for money'
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Latest News Term deposit accounts could be 'safe home for money'
Term deposit accounts could be 'safe home for money'
Term deposits could be a good place to invest money over the next few years.
Term deposit accounts may be one place where Australians could store their cash over the coming months and years, according to one writer.Nick Gardner, writing for News Limited Newspapers, recommended using term deposits in one of his financial tips for saving.
And this may intrigue people with savings accounts who are looking for another means to store their money.
He also advised investing through the bond market and notes that government bonds are "extremely safe" if the user buys them at issue and then holds them until they mature.
But he warned that buying and selling at the wrong time will lose people money.
Pawan Luthra, of Wealth Creation Advisors, told News Limited Newspapers that Australians should be wary of when they invest because the value of the bond could fall.
She said: "Low-risk clients need to be fully aware of the risks because if they redeem their investment at the wrong time they could incur some losses."
The advice comes as Alan Dixon, managing director of Dixon Advisory, said: "Investors now have to be much more aware of what they are investing in and why", as reported in the Age.
By Joe Letts
Friday, 05 February 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
