First Option CU Cash Rewards Visa Credit Card

First Option CU Cash Rewards Visa Credit Card

Offer
Card features
balance transfer
purchase rate
annual fee
Apply
First Option CU Cash Rewards Visa Credit Card
First Option CU Cash Rewards Visa Credit Card
1.99% p.a. for 6 months on purchases.
$48 p.a. annual fee.
Up to 55 days on purchases.
Add to comparison
-
6 months
1.99% p.a.
then 15.99%
$48
ongoing

Pros & cons

What's good?

What's not so good?

1.99% p.a. for 6 months on purchases.
$48 p.a. annual fee.
Receive 0.5% cash back on purchases.
Earn cash rewards from your credit card.
Up to 55 days on purchases.
Pay for things faster Visa payWave.
Comes with Apple Pay.
Has a 3% Minimum Repayment.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

The basics

About this card

Card setup
Single
Card tier
Standard
Card type
Visa
Card use
Personal
Credit rating
N/A
Gambling transactions allowed
No
Joint application
N/A
Minimum age
18 years old
Minimum income
N/A
Minimum income for pensioners
N/A
Pensioners
N/A
Rewards program
Cash Rewards
Temporary residents
N/A

Cardholders

Additional cardholders
2
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$500
Maximum credit limit
N/A

Repayments

Interest charged from
N/A
Interest free period
Up to 55 days on purchases
Minimum repayment
3%

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfersN/AN/ANoneN/A N/A
Purchases1.99% p.a.6 monthsN/AN/A 15.99% p.a.

Ongoing interest rates

MonthlyAnnually
Cash advances 1.33% 15.99% p.a.
Purchases 1.33% 15.99% p.a.

Fees

Annual fee
$48 p.a.
Cash advance fee
N/A
Dishonour fee
$0
Duplicate statement fee
$2
Foreign exchange fee
2%
Late payment fee
N/A
Over limit fee
$0
Overseas ATM balance fee
$0
Overseas ATM withdrawal fee
$0
Overseas emergency card replacement fee
$175
Transaction verification fee
$0

Rewards & points

Rewards program basics

Reward points expiry
N/A
Rewards program
Cash Rewards
Sign up bonus
N/A
Spend required for bonus points
N/A

Earning points with this card

Frequent flyer points
N/A
Overseas earn rate
Same as standard earn rate
Points cap per month
15,000
Points cap per year
N/A
Points earned on ATO payments
1 pts per $1 spent
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
N/A
Complimentary flight voucher
No
Concierge service
No

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.
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