First Option CU Standard Visa Credit Card

First Option CU Low Rate Visa Credit Card

Offer
Card features
balance transfer
purchase rate
annual fee
Apply
First Option CU Low Rate Visa Credit Card
First Option CU Low Rate Visa Credit Card
1.99% p.a. for 6 months on purchases.
Up to 55 days on purchases.
Pay for things faster Visa payWave.
Add to comparison
11.99% p.a.
ongoing
6 months
1.99% p.a.
then 11.99%
$0
ongoing

Pros & cons

What's good?

What's not so good?

1.99% p.a. for 6 months on purchases.
Up to 55 days on purchases.
No application fee.
11.99% p.a. purchase rate.
Pay for things faster Visa payWave.
Comes with Apple Pay.
An overseas emergency card replacement fee of $175.
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
No
Minimum age
18 years old
Minimum income
N/A
Minimum income for pensioners
N/A
Pensioners
N/A
Rewards program
None
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%

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers11.99% p.a.N/A0%N/A11.99% p.a.

Balance transfers to this card

Balance transfer earns rewards
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
No
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
N/A
Available to existing customers
No

Banks you can't balance transfer from

You can't balance transfer to the First Option CU Low Rate Visa Credit Card at the promotional balance transfer rate from:

    Rates & fees

    Promotional interest rates

    Interest ratePeriodFeeLimitRevert rate
    Balance transfers11.99% p.a.N/A0%N/A 11.99% p.a.
    Purchases1.99% p.a.6 monthsN/AN/A 11.99% p.a.

    Ongoing interest rates

    MonthlyAnnually
    Cash advances 1.00% 11.99% p.a.
    Purchases 1.00% 11.99% p.a.

    Fees

    Annual fee
    $0 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

    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
    Joint applications are not allowed
    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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