Low-rate Visa credit card
Summary
A simple, solid, low-rate Visa credit card for life's essentials... and some non-essentials. The cards are Australian made from 82% recycled plastic and we're a carbon neutral bank... so you won't feel bad about how you spend. They're digital wallet-ready and come attached to a First Option membership; so you will have access included to all our better banking tools to manage your money, and stay safe online.
Environmental Rewards
The attached rewards are also super simple: every time you spend money using your First Option Low-Rate Visa credit card you contribute 0.25% directly to funding biodiversity programs run by our program partners. There are no extra costs, fees or charges to be part of the program, it comes with the card.
Read more...
Low-rate Visa credit cards
- Low interest rate: 10.49% pa*
- Integrates into digital wallets on mobile devices
- Includes Environmental Rewards program
- Australian made cards, from 82% recycled plastic
- First Option is a carbon-neutral bank
- Use the mobile app to change your PIN or lock your card, 24/7
- Use your card overseas and online
- Interest free period up to 45 days
- Annual fee just $48 per year (waived for the first year)
Credit eligibility criteria, terms and conditions, fees and charges apply. First Option Bank Ltd | ABN 95 087 650 735 | AFSL / Australian Credit Licence 236 509. See the applicable fees and charges schedule.
Pay later programs vs low-rate credit cards
Pay later programs can certainly be convenient but there are a few things you should think about before you apply for credit at point-of-sale... Dr Steve explains a couple of reasons why you might want to think about using a low-rate credit card instead!
