Credit Card

The average credit card charges over 16% p.a.* interest, with some charging over 20% p.a. Fight back with the low rate Aussie MasterCard. It's a no nonsense credit card, with a great low rate and a low annual fee.

What the low rate Aussie Credit Card offers

• For a limited time only lock-in 2.99% p.a. on balance transfers and 9.99% p.a. on purchases² for the first 12 months
• Reverts to a low ongoing interest rate on purchases, currently just 13.29% p.a.¹
• Up to 55 days interest-free credit on purchases³
• A low annual account fee of only $49
• 24/7 online account access or over the phone
• Fraud protection – and the confidence of knowing we'll call you if we spot any suspicious use of your credit card
• And it's a MasterCard, so you can use it all over Australia and the world

Real savings

We don't have an expensive rewards scheme – that's why you can save money. Use the money you save to get things you actually want, when you want them.

We still provide our customers with some great credit card benefits and extra features.

Calculate the savings

• Compare your credit card
• Credit card balance transfer calculator.

Benefits of a balance transfer

• Lock-in a low 2.99% p.a. on balance transfers for the first 12 months²
• Apart from the straight saving you'll get from the interest reduction, you'll also get some breathing room if you want to make a dent in your debt.
• If you have a sufficient credit limit and transfer the entire amount you owe from a handful of cards - then cut them up and cancel the accounts - you're also likely to skip a lot of fees and charges.
• If you're juggling lots of cards and repayments, transferring your outstanding balances can simplify your life. It'll mean only one wonderfully simple credit card repayment every month.

To apply, you need to be

• Over 18 years old
• An Australian resident
• Earning more than $15,000 a year

For the application, you'll need

• Your driver's licence, if you have one
• Your employer's address and contact number, or if you are self employed, your accountant's name and contact number
• Details of your income and assets - such as your home and car
• Details of your liabilities such as other loans, current credit card debts and HECS debts

How to apply

You can apply in a number of ways - online, by phone, through an Aussie Broker or Store, or by mail. Find out how to apply here.

Keep on top of your transactions and payments

• Securely access your credit card account online or over the phone at any time.^

Access around the globe

At over 28 million locations across Australia and the world you can:

• Withdraw cash from ATMs in the CIRRUS world-wide network.
• Shop 24 hours a day - pay for purchases anywhere in the world in person, online or over the phone, wherever Mastercard® is accepted.

Fees and charges

• There are a few additional credit card fees you need to be aware of
• Most of these extra fees can be avoided — and here's how

Additional cardholders

• Link up to 3 additional cardholders to your account

Making payments

• How much you'll have to pay each month
• Ways to make payments on your Aussie credit card

Making changes

• More useful forms can be found here

We have lots of technology and processes in place to protect your credit card from fraud.

Safe use of your Credit Card

We'll call you if we spot any suspicious use on your credit card, but there are a few precautions you can take as well.

MasterCard SecureCode

For extra peace of mind sign up for MasterCard SecureCode. It's a free online security service that protects your card against unauthorised use when you shop online.