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The Classic Low Rate
Credit Card

The perfect card for your
everyday purchases

Interest Rates

Ongoing Purchase
Interest Rate
12.49% p.a.
Balance Transfer
Interest Rate
5.99% p.a. on balances transferred for the first 5 months*
Balance Transfer
Revert Rate
Rate reverts to cash advance interest rate
Interest Free Days ?
Up to 55 days interest free on purchases.
Cash Advance Interest Rate ?
20.99% p.a.
Minimum Credit Limit ?
1 additional cardholder

MasterCard Benefits

Priceless Sydney
MasterCard® Privileges

Additional Features

MasterCard® PayPass

MasterCard® PayPass™ is the faster way to pay for purchases of under $100. No signature or PIN is required. Just tap your card against the reader and go. And now there are more participating merchants than ever, like Coles, 7-Eleven and Bunnings. Simply use wherever you see this symbol PayPass™ at the checkout. For more information, please visit

MasterCard® Global Service

MasterCard® Global Service is your ultimate travel companion. Wherever life takes you, your complete card-related emergency service is just a free call away. For more information, visit

MasterCard® Zero Liability

MasterCard® Zero Liability gives you the peace of mind of free protection against fraud and other unauthorised transactions made with your card. Find out more at

* $500 minimum. The 5.99% p.a. interest rate mentioned for balances transferred is for 5 months from card activation (for new accounts) or date of transfer (for existing accounts). At the end of the balance transfer period the interest rate on any outstanding balances converts to the standard cash advance interest rate for a Platinum Low Rate or Classic Low Rate credit card, as applicable, currently 20.99% p.a. (interest rate current as at 1 September 2013). Interest rates and fees are subject to change.


Annual Fee ?
Additional Cardholder Fee ?
Late Payment Fee ?
Over limit Fee ?
Cash Advance at any Australian ATM ?
2.00% of the cash advance amount up to maximum of $150¹
Over the counter Cash Advance at any Financial Institution ?
The greater of $4.00 or 2.00% of the cash advance amount, maximum of $150¹
Cash Advance at any
International ATM or bank
The greater of $4.00 or 2.00% of the cash advance amount, maximum of $150¹
Cash equivalent items
or cash substitutes²
2.00% of the cash advance amount, maximum of $150¹
ATM Balance Enquiry Fee ?
International Transactions converted by
International Transactions
in AUD
Emergency Issue/Lost/Replacement Card Fee ?

1 A maximum charge of $150.00 (or a flat fee of $2.50 applies if your closing balance on the previous business day was in credit). Note: For cash advances and balance enquiries made through any ATM in Australia, the ATM owner may charge you a fee, which will be disclosed at the time of the transaction. If you proceed with the transaction, the ATM owner’s fee will be debited to your account (in addition to the cash advance amount) if applicable. You should check the ATM owner’s fees that apply carefully before completing.
2 Charge applies to purchases of cash equivalent items or cash substitutes including gambling transactions or traveller’s cheques.
3 Applies anytime cash advances, purchases or permitted transactions are converted by MasterCard from foreign currencies to Australian dollar equivalents. The fee includes the fees MasterCard impose on us. For cash advances the relevant cash advance charge will also apply.

What you get with this credit card

A basic, low rate credit card that gives you the features you need most, with a low rate.

With an Aussie Classic Low Rate Credit Card you can:

  • Access your account online – helps you keep on top of your balance.
  • Request to have an additional cardholder added to the one account.
  • Set up automated, regular payments to help you manage paying down your balance.

What about the credit limit?

The Aussie Classic Low Rate Credit Card is available with credit limits from $500, depending on the amount you qualify for. To find out, apply online now.

Credit card security

Take all reasonable steps to keep your credit card account secure. To see some tips to help you keep your card secure, check out our information on credit card security.

Applications for finance are subject to credit approval. Full conditions of use will be included in our Letter of Offer. Fees and charges are payable. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ and Tap & Go™ are trademarks of MasterCard International Incorporated. The “Aussie” trademark is a trademark of AHL Investments Pty Ltd ABN 27 105 265 861. Credit services are provided by AHL Investments Pty Ltd (“AHL”) ABN 27 105 265 861, Australian credit licence 246786 and its appointed credit representatives. The credit provider is Commonwealth Bank of Australia (“CBA”) ABN 48 123 123 124 Australian credit licence 234945. AHL is a partly owned subsidiary of CBA.

Applying online is easy and takes less than 10 minutes.

Apply Now

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