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Switch to a Low Rate Credit Card

If you have a bank credit card, you could be paying rates of around 20%.

Switch to a First Option Credit Card and avoid paying high interest to the bank. It has loads of features at a low rate:

  • Low intro rate applies to purchases, balance transfers and cash advances
  • No monthly fee. No annual fee!
  • No fee for additional card holders
  • Purchases are easy with Visa payWave and Mobile payments like Apple Pay
  • Serviced by our teams based in Sydney and Melbourne

Apply now

credit card
Start LOW


intro rate for 6 months

applies to

balance transfers, cash advances and purchases


application fee

Stay LOW


ongoing variable rate

up to 55 days

interest free


monthly fee#



Apply now


Please note

* Terms, conditions, fees and charges apply and can be obtained from First Option. Loans subject to normal eligibility criteria. After the first 6 months, the interest rate will revert to the standard variable rate.

# This benefit applies to new and existing First Option Low Rate Visa Credit Card accounts, effective 1 December 2018.

The above product is provided by First Option Bank Ltd ABN 95 087 650 735, Australian Credit Licence number 236 509.