Low Rate Mastercard

Basic

Card Level
Card Level
Standard
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
No set max
Minimum credit limit
Minimum credit limit
$2,000
Minimum repayment dollars
Minimum repayment dollars
$30
Minimum repayment percent
Minimum repayment percent
Number free supplementary
Number free supplementary
4
Annual Fee
Annual Fee
$49
Late Payment Fee
Late Payment Fee
$10
Over limit fee
Over limit fee
$40
Duplicate statement fee
Duplicate statement fee
$7
Supplementary card annual fee
Supplementary card annual fee
$0
Card Level
Card Level
Standard
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
No set max
Minimum credit limit
Minimum credit limit
$2,000
Minimum repayment dollars
Minimum repayment dollars
$30
Minimum repayment percent
Minimum repayment percent
Number free supplementary
Number free supplementary
4
Annual Fee
Annual Fee
$49
Late Payment Fee
Late Payment Fee
$10
Over limit fee
Over limit fee
$40
Duplicate statement fee
Duplicate statement fee
$7
Supplementary card annual fee
Supplementary card annual fee
$0

Rates

Purchase Rate
Purchase Rate
12.99%
Cash advance rate
Cash advance rate
21.74%
Purchase Rate
Purchase Rate
12.99%
Cash advance rate
Cash advance rate
21.74%

Balance Transfer

Balance Transfer Rate
Balance Transfer Rate
0%for 12 months then 21.74%
Transfer Limit
Transfer Limit
80%of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$0
Balance Transfer Rate
Balance Transfer Rate
0%for 12 months then 21.74%
Transfer Limit
Transfer Limit
80%of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$0

Overseas spending

Foreign Exchange Fee
Foreign Exchange Fee
3.4% on MasterCard
Overseas charges
Overseas charges
$5
Estimated ATM Cost
Estimated ATM Cost
Foreign Exchange Fee
Foreign Exchange Fee
3.4% on MasterCard
Overseas charges
Overseas charges
$5
Estimated ATM Cost
Estimated ATM Cost

Rewards

Program name
Program name
Rewards Available
Rewards Available
Points Per $1 Spend
Points Per $1 Spend
Program name
Program name
Rewards Available
Rewards Available
Points Per $1 Spend
Points Per $1 Spend

Eligibility

Minimum age
Minimum age
Minimum income
Minimum income
$25,000
Eligibility conditions
Eligibility conditions
Minimum age
Minimum age
Minimum income
Minimum income
$25,000
Eligibility conditions
Eligibility conditions

Perks

  • Price GuaranteeIf you purchase personal goods in Australia and then find the same product advertised later at a cheaper price within 60 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is more than $75.
  • Purchase ProtectionCovers up to $50,000 per year
  • Free Supplementary Cards
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