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Pros

  • $0 Annual Fee in the first year and waived in subsequent years when you spend $1,000 or more on purchases or cash advances in the previous year

  • Minimum credit limit of $500

Cons

  • 3% International Transaction Fee

  • No attached rewards program



Reviews

4.0

45 reviews
5
(14)
4
(19)
3
(11)
2
(0)
1
(1)
  • Transparency
    4.4 (36)
  • Customer Service
    4.3 (36)
  • Rates and Fees
    3.9 (36)
  • Rewards
    3.1 (12)
  • Online Experience
    4.4 (36)
  • Card / Account Used For
    • Everyday Expenses (28)
    • Online Shopping (23)
    • Special Purchases (13)
    • Overseas/Travel (6)
  • Application Process
    4.4 (30)
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neodymium

neodymiumAU

  • 226 reviews

OK

published
sewgood

sewgoodSouth East Queensland, QLD

  • 25 reviews
  • 5 likes

Terrible

published
emailandrew

emailandrew4013

  • 10 reviews
  • 1 like

OK

published

This is a great basic credit card, minimal whistles and bells, but reasonably low fees. I guess, what else can you say about it? Just a card like all the others, the only thing that swayed me was the fee structure on it - if you need a credit card, I guess just weigh up the fees and how much you are willing to pay!
Low fees

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starflyy

starflyy

  • 63 reviews
  • 1 like

Excellent

published

I was very impressed with the reliability and interest rates and they offer you small and large limits so it suits everybody. I think it is a really good card.
The annual fee is amazing I can't believe how cheap it is and it is a great first credit card because it comes with no hidden catches what you see is what you get. You can also have an additional card holder for no extra charge so if you both use it then you can save on the annual fee for one of you.
It does cost extra to get the second card user a card and it makes it a little to easy to spend money.

cheryl.mclean

cheryl.mcleanAustralia

  • 3 reviews

Good

published

For me, this card is great. I always pay the amount owing before the due date and do not incur a fee. This card suits my needs well.
most things

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