Low Rate Credit Card

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First Option’s 'Low Rate' Visa Credit Card is a traditional credit card, providing you with an additional line of credit beyond your own savings. A credit card can assist with any unexpected finances, be used overseas, or for telephone/internet purchases. Your line of credit is ongoing and offered at a competitive low interest rate.

  • Up to 55 days interest free on purchases
  • No application fee
  • Competitive, low interest rate
  • Card transactions are monitored 24x7

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Low Rate VISA Credit Card
Interest Rates
6 month Intro Rate1.99% pa
Purchase Interest Rate11.99% pa
Balance TransferYes 
Cash Advance Interest Rate11.99% pa
Application Fee$0 
Monthly Fee$2.00 
Exceed Credit Limit FeeYes 
Late Payment Feen.a. 
Card Features
Minimum Repayments Percentage3%
Interest Free Days55 
Key Fact Sheet available?Yes 
Minimum Credit Limit$500 
Minimum Repayments Cash$25 
 Additional Product Information


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