Low Rate Visa Credit Card
Our lowest annual fee and lowest rate credit card
Apply nowTerms and conditions apply. New customers only.
Low Rate Visa Credit Card
With our Low Rate Visa Card, you’ll enjoy our lowest purchase rate to help you save on interest.
Credit Card rates and fees
$ 65 p.a.
Annual fee
13.99 % p.a.
Interest rate on retail purchases
55 days
Interest free period on purchases²
Balance Transfer offer
Enjoy 0% p.a. on balance transfers for 18 months15
Take control of your finances with 0% p.a. interest on balance transfers for 18 months.15
The rate will revert to the cash advance rate thereafter. A 2% balance transfer fee applies, and no interest free days will apply to purchases while you have a balance transfer.
Offer ends 14 September 2025. Credit card applications must be submitted on or before this date and approved by 10 September 2025. Balance Transfer requests must be processed (transferred) by 30 September 2025.
Features
Security and fraud protection
Protected by Visa’s multiple layers of security. Data provided to Visa by acquiring financial institutions and other third parties.
Instalment Plans
With Instalment Plans, you can break your purchases into manageable monthly instalments over a set term.3 Find out more.
Worldwide ATM Access
Accepted at over 61 million merchant locations worldwide
Interest rates and fees
| Annual fee | Annual percentage rate - Retail Purchases | Annual percentage rate - Cash Advances | Interest-free period on purchases2 | Credit Limit Range |
|---|---|---|---|---|
| $65 | 13.99% p.a. | 21.99% p.a. |
Up to 55 days (unless you have a balance transfer) | $2,000 to $30,000 |
A full list of fees and charges are provided in our Credit Card Fees and Charges Guide below.
Ready to apply?
Applying online will take around 10 minutes.
Balance Transfer Offer
Enjoy 0% p.a. on balance transfers for 18 months.15 A 2% balance transfer fee applies. Unpaid balance transfer reverts to variable Cash Advance rate.
Things you should know
To apply for the Low Rate Credit Card, you must:
- Be at least 18 years of age
- Have a good credit rating
- Earn a taxable income of $25,000 per year or more
- Be a permanent Australian resident or citizen
What you'll need for your application
- Your income and expense details
- Your driver's license number
- Your employment details
- Your balance transfer account details (if applicable). Your total balance transfers may not exceed 80% of your credit limit.
FAQs
You might also be interested in:
Earn Q rewards® points
Blue Visa Credit Card
Earn 1 Q Rewards® point for each dollar spent on Eligible Purchases4 and redeem them for a range of options like evouchers, cashback and pay with points.
- Earn 50,000 bonus Q Rewards points when you spend $3,500 on Eligible Transactions within 3 months from approval.12
- 0% p.a. on balance transfers for 6 months. 1% Balance Transfer fee applies. Balance transfer reverts to cash advance rate thereafter.13 You will be charged interest on retail purchases while you have a balance transfer
earn q rewards® points and enjoy Travel Perks
Platinum Visa Credit Card
The Platinum rewards card that has you covered, from purchases to rewards alongside our everyday earn rate of 2 Q Rewards® Points earned on every dollar of eligible spend.4 Including complimentary insurance and extended warranties (terms, conditions, limits and exclusions apply).1
Note: complimentary travel insurances will no longer be available from 15 May 2026. Find out more here.
- Earn 100,000 bonus Q Rewards® points when you spend $4,500 on Eligible Transactions within 3 months from approval6
- 0% p.a. on balance transfers for 12 months, reverting to the cash advance rate thereafter. 1% balance transfer fee applies. You will be charged interest on retail purchases while you have a balance transfer7
- Key things to keep in mind about your Credit Card Terms and Conditions and Other Important Information
- Credit Card Terms and Conditions and Other Important Information
- Changes to your Credit Card Terms and Conditions and Other Important Information effective from 15 May 2025
- Credit Card Fees and Charges Guide
- Direct Debit (Easi-Pay) Request form
- Privacy consent
