Standard purchase rate: 19.99% p.a.
Annual card fee: $295
Cash advance rate: 21.74% p.a.
Minimum credit limit: $15,000
Standard balance transfer rate: 4.99% p.a. for 6 months2. BT reverts to cash advance rate.
Interest-free days on purchases: Up to 44 days3 (you won't receive interest-free days while you have a balance transfer)