First Option Bank

Compare First Option Bank credit cards by features, rates, and fees to make a well-informed application choice.

First Option Bank credit card

First Option Bank Low Rate Visa Credit Card

On website

First Option Bank Low Rate Visa Credit Card

Balance transfer

N/A

Purchase rate

10.49% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Experience a low-interest rate of 10.49% p.a. on purchases.
  • Enjoy a waived first-year annual fee, saving $48.
  • Includes the Environmental Rewards program.

Pros

  • Low interest rate on purchases.
  • Up to 45 interest-free days.
  • Limits are available from $500 to $25,000.
  • Cards are Australian-made using recycled plastic.

Cons

  • The 17.99% p.a. interest rate on cash advances.
  • Shorter interest free period compared to most card issuers.

Help choosing a First Option Bank credit card

Get personalized assistance in selecting the optimal First Option Bank credit card tailored to your financial needs and lifestyle preferences.

  • FAQs

What types of credit cards does First Option Bank offer?

First Option Bank offers a range of credit cards, including low rate cards, rewards cards, and premium cards to cater to diverse customer needs.

How can I apply for a First Option Bank credit card?

You can apply for a First Option Bank credit card online through the bank's website or by visiting a branch. Ensure you have the necessary documentation for the application process.

What benefits can I expect from a First Option Bank credit card?

First Option Bank credit cards offer customised experiences, online services, and improved rewards programs to enhance your overall credit card usage.

How can I effectively manage my First Option Bank credit card?

To manage your First Option Bank credit card effectively, monitor your transactions regularly, pay your bills on time, and stay within your credit limit to maximize the benefits of your card.