|Ongoing annual card fee||$0|
|Variable purchase rate||20.74% p.a.|
|Variable cash advance rate||21.49% p.a.|
|Minimum credit limit||$500|
With this groovy offer, you’ll pay 0% p.a. interest on purchases for the first 12 months you have your new card. After that, the interest rate goes back to the variable purchase rate.
No annual card fee
Up to 55 days interest-free on purchases¹
Up to 3 additional cardholders with no annual card fee⁹
A higher interest rate on purchases than our Vertigo card
No rewards points or complimentary insurances
A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:
<Purchase Rate Promotion: The introductory rate of 0% p.a. on purchases for 12 months applies from card approval when you apply and are approved for a new No Annual Fee credit card between 20th October 2021 and 31st December 2022. After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.
1 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.
9 An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder.