Low Rate Credit Card

A low rate, low-fuss credit card? We're there.

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Low rate

Credit Card

Purchases and cash advances interest rate:

8.99 % p.a. 1

Balance transfers interest rate:

0.00 % p.a. *

Plus a low annual fee of $40 and the freedom to shop wherever Visa is accepted.

Value

Same low rate on purchases and cash advances, plus up to 55 days interest free when you pay your balance in full by the due date each month.

Secure

Peace of mind via Visa's Zero Liability Policy, Visa Secure and eftpos Secure for added protection when shopping online.

Flexible

Limits available from $500 to $15,000 depending on your needs.

$40

Annual fee

A low annual fee to keep things simple.

Up to 55

Interest free days

Available on purchases only. Simply pay your outstanding balance in full by the due date each month.

$500

Minimum credit limit

Limits are available from $500 to $15,000. Higher limits are subject to further approval.

3%

Conversion fee^

Payable on the international transaction value in AUD.

Switch and save

Receive 0% p.a. on balances transferred for 6 months* when you switch your other financial institution credit card to us. Plus, at the end of the 6 months, you can rest assured you'll still benefit from a low ongoing rate and up to 55 days interest free on purchases when you pay your outstanding balance in full by the due date each month.

How to apply

You can apply online or over the phone. Please take a moment to view the Credit Card Key Facts Sheet before you begin.

You can apply if you:

  • Are over 18 years of age
  • Have a regular income
  • Are not or have not been bankrupt (including Part IX agreements)
  • Are an Australian citizen or a permanent resident
  • Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months
  • Have an acceptable Credit Risk Profile (Credit Score)

  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.

Easy Street is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts.

The types of documentation we will request from you may vary between applicants due to differences in individual situations and the type of loan you are applying for. The following are some examples of documentation you may be asked to provide.

  • Last 2 years full Tax Returns and financials/profit & loss statements for both of your personal and/or company tax returns to support your Self Employed income, and last 2 pay slips for other applicants
  • Proof of any rental income for properties via real estate statement or copy of executed lease
  • Latest Notice Of Assessments for each applicant
  • Last 3 months most recent everyday transaction account statements where your income is credited to.
  • Last 3 months statements of any loans or credit cards you are refinancing to us
  • Copy of current rates notice if it is a mortgage application

Mobile payments

Use your card to make payments via Apple Pay 3 , Google Pay TM2 and Samsung Pay 4 .

Read more

Be scam aware

Learn about common scams including how we protect you and what you can do to protect yourself.

Read more

Card protection

Visa Secure is a free fraud prevention service to help protect you when shopping online.

Read more

Fees and charges

You may be charged a fee for some transactions and specially requested services. Refer to our fees and charges schedule for more information.

You can view Target Market Determinations here

Credit eligibility criteria, terms & conditions, fees & charges apply.

^ This is payable when you use your visa 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 outside Australia.

1 Rates are current as at 31/03/2018 and subject to change without notice. *Offer terms and conditions: Rate is current as at 15 February 2021 and subject to change without notice. This is an introductory rate for 6 months only on balance transfers from funding date. After the initial 6 month introductory period, the interest rate for the balance transferred will revert back to the standard credit card rate at the time - currently this is 8.99% p.a. Offer available for new and existing card holders where new balances are transferred to the card and offer can be withdrawn at any time. Excludes Balance Transfers from Community First or Easy Street cards.
2 Google Pay™ is a registered trademark of Google Inc. 3 Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.