LOW RATE CREDIT CARD
A low rate credit card with the same low rate on cash advances and up to 55 days interest free on purchases. Choose pink and half the annual fee is donated to the McGrath Foundation each year
Category: Credit and Charge Cards Last Updated April 9, 2026 Effective April 29, 2026
General Lending Rates
Rates listed below are for a product. Additional Information
Interest Rate
NA PA
NA PA
Comparison Rate
NAPA*
NAPA*
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will vary based on the LVR and other conditions.
Product Features
- Additional Cards
- Balance Transfers
- Card Access Additional Information: Option of Pink, Blue or standard card
- Digital Banking
- Digital Wallet Additional Information: Payment options
- Interest Free Additional Information: Up to 55 days. When you pay your balance in full by the due date each month
Product Eligibility
- Min Age - 18.
- Residency Status - Australian Citizen Or Permanent Residency Only.
Bank Fees and Charges
- Low Rate Credit Card Annual Fee (Periodic), Amount: 50.00. Additional Information: For Pink and Blue Low Rate Credit Cards, half the annual fee ($25) is donated to the McGrath Foundation (pink) or the Prostate Cancer Foundation of Australia (blue) each year
- Late Payment (Event), Amount: 25.00. Additional Information: Charged to loan account
- Card Extraction Fee (Event), Amount: 45.00. Additional Information: Charegd on the day of the request
- Visa Chargebacks (Event), Amount: 25.00.
- Copy Of Statement (already Issued) (Event), Amount: 1.50. Additional Information: Charged per page. For statements issued prior to January 1997 the fee is $3 per page.
- Bank@post Cheque Deposit (Deposit), Amount: 2.00. Additional Information: Cheque deposits
- Bank@post Withdrawal, Cash Advance Or Cash Deposit (Transaction), Amount: 2.00. Additional Information: Deposit or withdraw cash via Bank@Post
- Cancel Replacement Of Visa Card (Event), Amount: 50.00. Additional Information: Charged in US Dollars
- Replacement Of Visa Card (overseas) Std (Event), Amount: 55.00.
- Replacement Of Visa Card (within Aus) (Event), Amount: 12.50.
- Domestic Cash Advance Fee (Transaction), Amount: 2.00. Additional Information: Fee charged on the day of the transaction
- Overseas Cash Advance Fee (Transaction), Amount: 5.00. Additional Information: Charged on the day of the transaction
- International Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: Applies for all transactions (including reversals and cash advances) where you use your card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity or financial institution outside Australia.
Limitations & Restrictions (Constraints)
- Min Limit of 500.00
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