• Complimentary insurances – see the Insurance section for details.
  • Up to 55 Interest free days on purchases.
  • Minimum Credit limit $6000.
  • Add an additional cardholder at no extra cost.

Rates and fees

Variable purchase rate

13.99% p.a.

Variable cash advance rate

21.74% p.a.

Standard balance transfer rate

0% p.a. for 12 months
Balance transfers

Balance transfer fee

3% balance transfer fee applies.

Annual card free

$100 p.a.

Other fees may apply.

Annual card fee and interest rates are subject to change. Correct as at 5 February 2022.  View full details of fees and charges.


Complimentary insurances include:

  • International travel insurance
  • Transit accident insurance
  • Interstate flight inconvenience insurance
  • Rental vehicle excess in Australia insurance
  • Purchase protection insurance
  • Extended warranty insurance

View complimentary insurances

Benefits of Visa

Terms and Conditions