Low-rate Visa credit card


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.


First Option Bank - low-rate credit card

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 on purchases, up to 45 days
  • Annual fee just $48 per year (waived for the first year)

Finder's expert review

Finder's credit card expert has written a great review of our Low-Rate Visa credit card and it's attached Environmental Rewards program...   read the review here

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!