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- Low Rate Visa Credit Card
First Option Bank Low Rate Visa Credit Card
- Special
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
Every time you spend money using your First Option Low-Rate Visa credit card you contribute 0.25% directly to funding biodiversity programs run by our program partners.
There are no extra costs, fees or charges to be part of the program, it comes with the card.
Purchase rate p.a.
10.49%
Balance transfer rate
10.49%
Annual fee
$0
for 12 months then $48 thereafter
First Option Bank Low Rate Visa Credit Card
- Special
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
Purchase rate p.a.
10.49%
Balance transfer rate
10.49%
Annual fee
$0
for 12 months then $48 thereafter
RateCity says
"A competitive lower-rate credit card that boasts a lower than average annual fee and free supplementary cards."
Pros and Cons
For First Option Bank Low Rate Visa Credit Card
Benefits
- Ongoing variable purchase rate ranked in the best 20%
- $0 annual fee in the first 12 months and $48 p.a thereafter.
- Lower than average annual fee
- Apple Pay, Google Pay and Samsung Pay available
- Free supplementary cards
- Fraud protection
Drawbacks
- No reward program
First Option Bank Rate Credit Card overview
For Low Rate Visa Credit Card
Details
Card level
Standard
Card type
Visa
Interest free days
45
Minimum monthly repayment
3% or $25
Minimum credit limit
$500
Maximum credit limit
$80,000
Free supplementary cards
Instant approval
Target Market Determination
Visit First Option Credit Union Limited to view Target Market Determination.
Fees
Annual fee
$0
for 12 months then $48 thereafter
Annual Fee Spend Waiver
Supplementary card annual fee
$0
Late payment fee
$0
Over limit fee
$15
Duplicate statement fee
$5
Electronic Wallet Service
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
10.49%
Cash advance rate
17.99%
Cash advance fee
Balance Transfer
Balance transfer rate
10.49%
Transfer limit
80000
max card limit
Balance transfer fee
Overseas spending
Foreign exchange fee
Overseas charges
$3.5
Estimated ATM cost
$9.5
for AU $300 withdrawal
Rewards
Program name
Rewards available
Eligibility
Minimum age
18
