You could save

in 6 months

You could save

in months

$

p.a.

Annual Fee

p.a.

% p.a.

Purchase Rate

$

p.a.

Annual Fee

% p.a.

Purchase Rate

p.a.

Annual Fee

$

annual fees

Total Fees

Pros

18 month balance transfer offer
Great bonus points offer
0% p.a. on purchases for the first 15 months
Reduced $49 annual fee for the first year
Complimentary insurance covers including extended warranty for purchases and overseas travel insurance

Cons

Purchase Rate The standard interest rate that applies to purchases on the card	20.74 % p.a.
Card Type	Visa Visa
Maximum Credit Limit	$100,000
Minimum Credit Limit	$6,000
Cash Advance Rate Interest rate incurred for a cash advance	20.99 % p.a.
Interest Free Period The maximum period of time that no interest is charged on new purchases. May not be applicable if the account or closing balance is not paid in full by the due date.	44 days
Balance Transfer Limit Maximum percentage of your approved credit card limit that can be used for the balance transfer	80 %
Balance Transfer Revert Rate The interest rate that will be charged on any remaining debt after the balance transfer period ends. This value could be variable depending on the card product.	20.99 % p.a.
Balance Transfer Fee Fee incurred for processing a balance transfer	no transfer fee
Balance Transfer Months Number of months the promotional balance transfer offer applies	18 months
Balance Transfer Rate The interest rate applied to the balance transfer amount for a set period of time	0 % p.a.
Annual Fee An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.	$64 $64 for the first year ($129 thereafter)
Rewards Program	Velocity Frequent Flyer

Rewards Points per $ Cap A threshold for the number of rewards points that can be earned in a period of time
Rewards Earn Rate per $ spent The number of rewards points earned for each eligible dollar spent on the card	0.66 points per $ Earn 0.66 points per $1 spent on the first $1,500 per statement period and 0.5 points per $1 spent thereafter (uncapped).
Bonus Points The promotional bonus points offered. A minimum spend requirement within a set time period may apply. For example, in order to earn 90,000 bonus points, you may need to spend at least $3,000 per month on eligible transactions during the first three months. Some transactions may be excluded or earn points at a reduced rate, e.g. cash advances, government or foreign transactions. Conditions apply. Refer to the bank's website for full T&Cs.	70,000 Earn up to 70,000 bonus Velocity Points when you spend $1,500 each month for the first 3 months from card approval (20,000 Velocity Points per month, plus an additional 10,000 points after your first year anniversary).

Joint Application	No
Temporary Resident Application	No
Minimum Age	18 years of age
Minimum Income	$35,000

Annual Fee An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.	$64 $64 for the first year ($129 thereafter)
Cash Advance Fee	2.7% or $2.70, whichever is greater
Minimum Monthly Repayment The minimum repayment that must be paid by the payment due date to avoid incurring late fees. Interest will still be charged on the remaining amount owing.	2% of the closing balance or $30, whichever is greater
Late Payment Fee Fee incurred if the minimum repayment is not paid by the due date	$10
International Transaction Fee Fee incurred for transactions made in foreign currency	3.3% of transaction amount
Additional Cardholder Fee Fee incurred for adding an additional cardholder to the account	$39
Maximum Additional Cardholders Maximum number of additional cardholders	4

Travel Insurance Terms, conditions, limits and exclusions may apply, check product site for details	No