Attention Auswide Bank Shareholders. Monday’s December 2nd Scheme Meeting has been rescheduled to February 2025. See here for more details.
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Purchase Rate1 9.99% p.a. |
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Cash Advance Rate1 9.99% p.a. |
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Interest Free Period2 Up to 55 days |
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Low Annual Fee+ $50 |
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Minimum Credit Limit~ $500 |
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Balance Transfer Rate* 0% p.a. |
Ditch the interest on your credit card with our 0% p.a. balance transfer for 12 months.* Switch to our Low Rate Visa Credit card with a low annual fee and low rates on both purchases and cash advances so you can pay off your balance with zero worries.
An everyday credit card with a low purchase rate and cash advance rate, making it easy for you to confidently pay off your balance.
Download the Key Facts Sheet about this credit card.
| Low Rate Visa Credit Card | Interest Rate |
| Purchase Annual Percentage Rate | 9.99% p.a. |
| Cash Advance Annual Percentage Rate | 9.99% p.a. |
| Balance Transfer Rate | 0% for 12 months* |
| All interest rates | View our Credit Card Rate & Fee Guide for full details |
| Fees | Amount |
| Annual Fee | $50 p.a. (waived if you are under 25 years)+ |
| Cash Advance Fee | $3.50 per advance |
| Late Payment Fee | $20 per late or missed payment |
| Currency Conversion Fee | 3.00% of the transaction amount |
| All fees & charges | View our Credit Card Rate & Fee Guide for full details |
How it worksEnquire online Click the Enquire now button to submit a contact form or call us on 1300 138 831. Wait for our response Once you submit your request we will contact you via your preferred contact method. |
EligibilityEnsure you’re eligible
What you need
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2 The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.
Auswide Bank Ltd ABN 40 087 652 060, AFSL No. 239686, Australian credit licence 239686 is the credit issuer. This information is a summary of features and benefits only. This is not an offer to lend. Credit criteria, fees & charges and terms and conditions apply – full details on application. Prior to entering into a credit contract with us you should read our Credit Guide.
+Subject to your credit approval and any waiver which may apply, you will be charged an Annual Card Fee of $50 for the Low Rate Visa credit card.
~Credit Limits issued are $500 - $50,000. Actual Credit Limit will be assigned based on Auswide Bank's credit criteria.
* The Balance Transfer offer can be withdrawn at anytime without notice. Balance transfers from other Auswide Bank credit cards or loans may not be accepted. Upon expiry of a Balance Transfer offer, any unpaid balance of the Balance Transfer reverts backs to the Purchase Rate.
** Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details.
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