RateCity.com.au
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Essential Credit Card

Pros:
  • No Annual Fee
Cons:

    Basic

    Card Level
    Card Level
    Standard
    Interest Free Days
    Interest Free Days
    55
    Maximum credit limit
    Maximum credit limit
    $25,000
    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
    $0
    Late Payment Fee
    Late Payment Fee
    $30
    Over limit fee
    Over limit fee
    $15
    Duplicate statement fee
    Duplicate statement fee
    $10
    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
    $25,000
    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
    $0
    Late Payment Fee
    Late Payment Fee
    $30
    Over limit fee
    Over limit fee
    $15
    Duplicate statement fee
    Duplicate statement fee
    $10
    Supplementary card annual fee
    Supplementary card annual fee
    $0

    Rates

    Purchase Rate
    Purchase Rate
    14.99%
    Cash advance rate
    Cash advance rate
    Purchase Rate
    Purchase Rate
    14.99%
    Cash advance rate
    Cash advance rate

    Balance Transfer

    Balance Transfer Rate
    Balance Transfer Rate
    0%for 12 months then 14.99%
    Transfer Limit
    Transfer Limit
    $10,000max transferable amount
    Balance Transfer Fee
    Balance Transfer Fee
    $150
    Balance Transfer Rate
    Balance Transfer Rate
    0%for 12 months then 14.99%
    Transfer Limit
    Transfer Limit
    $10,000max transferable amount
    Balance Transfer Fee
    Balance Transfer Fee
    $150

    Overseas spending

    Foreign Exchange Fee
    Foreign Exchange Fee
    3% on AMEX
    Overseas charges
    Overseas charges
    Estimated ATM Cost
    Estimated ATM Cost
    Foreign Exchange Fee
    Foreign Exchange Fee
    3% on AMEX
    Overseas charges
    Overseas charges
    Estimated ATM Cost
    Estimated ATM Cost

    Rewards

    Program name
    Program name
    Amex Membership Rewards Gateway
    Rewards Available
    Rewards Available
    Gift Card,Cash Back
    Points Per $1 Spend
    Points Per $1 Spend
    Upto 1
    Program name
    Program name
    Amex Membership Rewards Gateway
    Rewards Available
    Rewards Available
    Gift Card,Cash Back
    Points Per $1 Spend
    Points Per $1 Spend
    Upto 1

    Eligibility

    Minimum age
    Minimum age
    18
    Minimum income
    Minimum income
    $40,000
    Eligibility conditions
    Eligibility conditions
    No history of bad debt or payment default
    Minimum age
    Minimum age
    18
    Minimum income
    Minimum income
    $40,000
    Eligibility conditions
    Eligibility conditions
    No history of bad debt or payment default

    Perks

    • Extended WarrantyWarranty is extended for the same duration as the original warranty up to 1 year.
    • Purchase ProtectionCovers up to $10,000 per year
    • Free Supplementary CardsSupplementary cardholder must be over 18 years of age
    Other Restrictions
    Cash Advance not available
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