CIRCLE Alliance Bank Visa Credit Card

CIRCLE Alliance Bank Visa Credit Card

Balance transfer

N/A

Purchase rate

14.5% p.a. ongoing

Annual fee

$60.00 p.a. ongoing

Highlights

  • Get a low-interest rate of 14.50% p.a. on cash advances and purchases.
  • $60 p.a. annual fee.
  • Enjoy up to 55 days interest-free days.

Pros and cons

Pros

  • $60 annual fee.
  • Low ongoing rates of 14.50% p.a.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • No rewards program.
  • No travel insurance.

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The basics

  • Additional cardholders. Additional cardholders are not supported for this card.
  • Digital wallets. Use Apple Pay, Google Pay, or Samsung Pay.
  • Gambling transactions. Gambling transactions are not permitted.

Rewards and benefits

  • Complimentary travel insurance. The CIRCLE Alliance Bank Visa Credit Card does not come with complimentary international travel insurance.
  • Concierge services. The CIRCLE Alliance Bank Visa Credit Card does not include a concierge service.
  • Insurances. This card provides standard fraud protection but does not offer any other insurance benefits.
  • Rewards points. This credit card does not have a rewards program.
  • Sign up bonus. There is no sign up bonus for this card, which is typical of a no-frills card such as this one.

Rates and fees

  • Annual fee. The annual fee for this card is $60 per year, charged at $5 monthly.
  • Balance transfers. This credit card offers a promotional balance transfer rate of 0% for the first 6 months, after which the revert rate of 11.50% applies. This is a comparatively brief balance transfer offer, but the revert rate is low.
  • Cash advances. Cash advances with this card will be charged interest at 14.5% p.a. and will begin to accrue from the day it was made. A cash advance fee of 3% will be charged on any cash advances made with this card. This cash advance rate is lower than average.
  • Foreign exchange fee. A 2% foreign exchange fee applies to all purchases made in a foreign currency, either online or overseas.
  • Interest-free period. The CIRCLE Alliance Bank Visa Credit Card provides up to 55 days interest-free on purchases (except cash advances) when you pay the account balance in full by the due date or have made the required minimum repayments.
  • Purchases. There is no introductory offer on purchases, so the standard ongoing interest rate of 14.50% p.a. will apply.

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Reviewed by Credit Card Compare Staff

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