The Easy Street Financial Services Easy Low Rate Visa Credit Card offers budget-conscious cardholders a very low interest rate for standard purchases, cash advances and balance transfers.
This low-rate card has a low annual fee and offers a moderate amount of interest-free days, which is standard for most cards on the market. An additional cardholder can also be added at no extra cost.
The Easy Street Financial Services Easy Low Rate Visa Credit Card is not linked to a rewards program, and customers will not earn frequent flyer points by using their card.
Cardholders are covered by Visa's Zero Liability policy, which ensures you are not responsible for fraudulent or unauthorised transactions when the card is used for payWave, online and phone transactions.
Cardholders who use their card overseas or to shop online through an international retailer will face an international currency conversion fee of 3 per cent.
- Low interest rate
- Moderate interest-free period
- Low annual fee
- No rewards program
- No complimentary insurance
- High overseas spending fees
Who is it good for?
The Easy Street Financial Services Easy Low Rate Visa Credit Card is a low-cost card that might suit budget-conscious customers looking for a no-frills card that helps them save.
The biggest drawcard of this card is the very low interest rate and low annual fee. Outside of that, this card offers no additional extras.
Customers who pay their full monthly balance may wish to look for a card that offers rewards and additional perks like complimentary insurance and a concierge service.
While this card offers a balance transfer option, there’s no promotional incentive period. The debt moves across at the low interest rate, which may not provide the best value to cardholders looking to consolidate debt and pay off their balance faster.
This card might suit those looking for a cost-effective card that gives you the potential to pay off your balance, without earning unnecessary interest.
What RateCity says
The Easy Street Financial Services Easy Low Rate Visa Credit Card may be a good option for customers looking for a card that offers a very low interest rate, low ongoing fees, and is simple to manage.
This is a no-frills credit card, which means that its major feature is its very low interest rate. Aside from Visa's Zero Liability policy, this card offers no bells or whistles. Low-rate cards like these are best suited to customers who carry a balance over from month to month or cardholders who are looking for an additional emergency card that doesn’t cost a lot to maintain.
Cardholders who spend regularly, travel frequently and always manage to pay their monthly balance in full may wish to shop around for a low-rate card that offers fewer foreign currency charges, rewards points and additional extras like complimentary travel insurance.
To be eligible for the Easy Street Financial Services Easy Low Rate Visa Credit Card, you’ll need to be at least 18 years or older and be an Australian citizen or resident. You will need to provide proof of employment, income and ID. If you’ve defaulted on any loans, credit cards, store cards or interest-free finance arrangements in the last five years, you won’t be eligible for this card. Applications can be made online or over the phone.
About Easy Street Financial Services
Easy Street Financial Services is part of the Community First Credit Union, one of the largest community-based credit unions operating throughout Sydney and the Central Coast. Being a credit union means that Easy Street Financial Services is owned by its members and not its shareholders, which ultimately means that profits go back into the union and the local community. Easy Street offers its customers a range of financial products and services, including credit cards, saving accounts and loans.