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 and cons

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.

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