A simple, low ongoing rate

  • Same low rate on purchases, cash advances and balance transfers
  • Up to 55 days interest free on  purchases when you pay the balance in full by the due date each month
  • Low annual fee of $40
Purchase interest rate
% p.a.*
Cash advance rate
% p.a.*

A Visa card that's there when you need it

Our Easy Low Rate Credit Card won't cost you the world, but it'll give you worldwide access - wherever Visa is accepted. With a low ongoing variable interest rate on purchases, cash advances and balance transfers, say goodbye to pointless points and hello to one of Australia's lowest ongoing rates.
  • Variable interest rate of 8.99% p.a.* for retail purchases, cash advances and balance transfers
  • Additional security with Visa's Zero Liability policy^
  • Access to your account via internet banking and our mobile banking App
  • Free additional card
  • Low annual fee of $40
  • Up to 55 interest free on retail purchases (to receive interest free days you must pay balance in full by due date each month)
  • payWave enabled (includes security limit of up to $100 per transaction, up to $200 per day)


  • Credit limits from $500 up to $15,000
  • International conversion fee - 3% of transaction value in AUD$ (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)







For loan fees and charges click here 

You can view our product Target Market Determinations here



Security features

Our Visa payWave enabled credit card is a secure, chip protected card that carries multiple layers of security protection, including Visa's Zero Liability^.

  • payWave limit per transaction up to $100
  • payWave limit per day up to $200
  • Visa's Zero Liability^ which ensures you are not responsible for fraudulent or unauthorised transactions
  • Visa's Zero Liability policy covers you for payWave, online, phone and Visa Easy Payment Services transactions, and purchases where you press credit and/or enter a PIN



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People on Easy Street get to cut the paperwork

It only takes 10 minutes to complete an application online.

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What you’ll need to get started

We may need the following information from you to assess your credit card application:

  • 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 debt (e.g. mortgage, loans and credit cards) you currently have


Managing your loan with Easy Street

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It's easy being green

Easy Street e-Statements provide your account history at the click of a button and are kind to the environment. Never lose a statement again!

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24/7 Access

Easy Street Internet Banking gives you 24/7 access to your Personal Loan and the ability to redraw any payments made in advance.

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Fancy a chat?

We're here to help. Contact us on 1300 13 14 65 between 8am and 8pm Monday to Friday or between 8am and 3pm on Saturdays.





Credit eligibility criteria, terms & conditions, fees & charges apply. *Rate is current as at 09/12/16 and subject to change without notice. ^Visa's Zero Liability policy covers Australian and New Zealand-issued cards, but does not apply to ATM transactions not processed by Visa or certain commercial card transactions.