How can I check my Easy Street credit card balance?

To check your Easy Street credit card balance, log in to your online account through the Easy Street website or mobile app. Alternatively, you can call Easy Street's customer service hotline for assistance.

What are the fees associated with an Easy Street credit card?

The fees associated with an Easy Street credit card may include an annual fee, late payment fees, cash advance fees, and foreign transaction fees. Be sure to review the specific fee schedule for your card to understand the costs involved.

Can I apply for an Easy Street credit card with a low credit score?

Easy Street considers various factors, including credit scores, when reviewing credit card applications. While a higher credit score may increase your chances of approval, applicants with lower credit scores may still be eligible for certain Easy Street credit cards, albeit with different terms and conditions.

How do I earn rewards with my Easy Street credit card?

No, you won't earn rewards with the Easy Street credit card. Instead, its main advantage lies in offering low interest rates and an affordable annual fee, which helps cardholders save money on interest rather than focusing on earning rewards.

What should I do if my Easy Street credit card is lost or stolen?

If your Easy Street credit card is lost or stolen, contact Easy Street's customer service immediately to report the incident. The customer service team will guide you through the process of cancelling your existing card and issuing a replacement to ensure the security of your account.

Easy Street Credit Cards Comparison

About Easy Street credit cards

Easy Street, a division of Community First Credit Union Limited, has been serving Australians since 2004. With a digital-first banking model, it operates without physical branches, delivering a range of banking and insurance products entirely online. Its credit card offering consists of the Easy Street Low Rate Visa, which features a consistently low variable interest rate for purchases, cash advances, and balance transfers (outside any promotional periods).

Types of Easy Street credit cards

Balance transfer offers: Easy Street credit card has a balance transfer offer of 12 months at 0% p.a, enabling customers to consolidate their existing credit card balances onto an Easy Street card. This feature can help cardholders save on interest and pay off their debts more effectively.
Low interest rate credit cards: Easy Street offers a single credit card, the Easy Street Low Rate Visa. Designed for budget-savvy Aussies, this card comes with an 8.99% p.a. variable interest rate, placing it among the more competitive low-rate options in Australia. It also carries a modest $50 annual fee, making it a cost-effective choice compared to similar low-rate credit cards.

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Benefits of Easy Street credit cards

Choosing an Easy Street credit card comes with a host of perks:

Mobile wallet integration: Add your card to Apple Pay, Google Pay, or Samsung Pay for fast, contactless payments using your smartphone or other devices.
Visa perks: Enjoy worldwide acceptance in over 200 countries and regions, plus access to exclusive Visa Offers + Perks, unlocking discounts on shopping, dining, travel, and entertainment.
Complimentary additional cardholder: Share your account with a partner or family member at no extra cost, though you’ll remain in charge of managing the account.
Robust security: Benefit from Visa’s Zero Liability Policy against fraud, 24/7 support for lost or stolen cards, and enhanced online protection with Visa Secure and EFTPOS Secure.
Digital banking: Stay on top of your finances with Easy Street’s internet banking platform or smartphone app, offering easy account management anytime, anywhere.

Eligibility criteria of Easy Street credit cards

To be eligible for an Easy Street credit card, you’ll need to meet these requirements:

Age: Be at least 18 years old.
Credit history: Maintain a solid credit record, with no bankruptcy, outstanding defaults, or a poor credit score.
Income: Have a steady income from a job you’ve held for at least 6 months.
Residency: Be an Australian citizen or permanent resident. If you are neither, we have temporary resident credit card options.

How to apply for an Easy Street credit card

Applying for an Easy Street credit card is straightforward. Start by confirming you meet the eligibility criteria listed above.

Check eligibility: Confirm you meet the age, residency, income, and credit history requirements.
Gather details: Prepare personal info (current and previous address), employer details (or accountant info if self-employed), and financial details (income, expenses, assets, liabilities, mortgage status, dependents).
Submit application: Complete the online form on the Easy Street website with accurate information.
Receive decision: If your application is approved, you will receive your new Easy Street credit card in the mail, along with instructions on activating and setting up your online account.

Credit cards similar to Easy Street

If you are looking to compare and apply for a member-owned bank or credit union, here are alternative credit card issuers you could compare against Easy Street.