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No Annual Fee Card

Credit Card
  • Freedom and security of a credit card with no annual fee
  • Variable interest rates:
    • p.a. on purchases and cash advances
  • Choice of Visa Card of MasterCard®
  • No annual fee for the life of your card
  • Credit limits starting from $500
  • Speed and convenience – no need to sign or enter your PIN for everyday purchases under $100 at participating merchants, who accept contactless transactions.

 

Apply Now

No annual fee

  • $0 annual fee
  •  p.a. variable rate on purchases and cash advances
  • No interest free period applies.

Safety net

  • The flexibility of a credit card without the burden of an annual fee

Low credit limit

  • Minimum low credit limit of $500

Additional cardholders

  • 3 additional cardholders at no extra cost.

Secure shopping

  • Shop online with Verified by Visa knowing your internet purchases and payments are safer and more secure.

24/7 Falcon® Fraud monitoring

 

  • Detection of suspicious purchase transactions
  • Find out more about fraud protection and what to do when you suspect fraud
Interest Rate - Variable  p.a. on purchases and cash advances
Annual fee $0
Interest free period No interest free period
Additional card holders Get up to 3 extra cards for additional cardholders at no additional cost.
International Visa / MasterCard Transaction* A foreign currency conversion fee of 3% of the amount of each foreign currency transaction (including, without limitation, ATM transactions) will appear on your credit card account when you use your Visa Card or MasterCard for foreign currency transactions.
Cash Advance Fee A fee of 2% of the value of any cash advance, withdrawal or transfer (including, without limitation, transfers by Internet Banking or Phone Banking), from your credit card account. A $2.50 minimum applies.
Late Payment Fee $9.00 applied for each late or missed payment
Card Replacement Fees
  • $15.00 per card within Australia
  • $52.50 per card outside of Australia
  • $45.00 per Emergency/Urgent Replacement Card.
Over-limit Fee $9.00 applied once per statement period if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card account
Automatic Payment Dishonour Fee $9.00 applied for each payment dishonoured made under the automatic payment plan
Statement Copy Fee
  • $4.50 for requests via Phone Banking or Internet Banking
  • $7.50 for all other requests.
Other fees and charges Credit cards fees and charges.

*Things you should know

Visa Worldwide Pte LTD ('Visa') Service Association charges us 1.0% of the transaction amount where a transaction is made using your Visa Card and the merchant or financial institution accepting the card is located outside of Australia. We pass this amount on to our customers.

MasterCard® International Incorporated charges us 0.8% of the transaction amount where a transaction is made using your MasterCard® and the merchant or financial institution accepting the card is located outside of Australia. We pass this amount on to our customers.

Apply online

  • Apply now. It takes just 10 minutes and anyone can apply online!

Call us

  • 13 22 66

 

Visit a branch

 

Print an application

 

How to apply

The Detail

Conditions, fees and credit criteria apply.

View the terms and conditions:

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this information, please consider if it's right for you.

MasterCard is a registered trademark of MasterCard International Incorporated.

Falcon® is a registered trademark of Fair Isaac Corporation.