Low Rate Visa Credit Card
With a low annual fee and a low ongoing interest rate for purchases, the Low Rate Visa Credit Card is the only credit card you'll ever need. Plus, with our competitive 12-month balance transfer rate, you can also transfer your outstanding balances from other credit or store cards to RSL Money for 0.00% p.a (introductory rate).
- Purchase rate
- 11.99%
- Annual fee
- $49.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Introductory balance transfer rate: 0.00% p.a. for 12 months | 0% | — | — |
| Purchase | 11.99% | — | — |
| Cash advance | 19.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Cash advance at other financial institution | Withdrawal | $4.50 |
| Overseas Visa card replacement
Bank processing fee At cost plus $20 bank processing fee | Event | From $1.00 |
| Encashment of Foreign Cash Minimum encashment of AU$50 applies | Event | $10.00 |
| Foreign Cheque encashment (>AU$5000) | Event | $50.00 |
| Foreign drafts | Transaction | $20.00 |
| Foreign Cash 1% of AUD value of amount purchased. Minimum order of AU$100 applies | Event | 1% of transaction |
| Copies of statements (up to 12 months) at branch | Event | $2.50 |
| Audit Certificate Fee Per audit certificate requested |
Features
- Card access — Visa Credit with payWave
- Additional cards
- Bill payment (BPAY)
- Digital banking
- Interest-free period — 45 days
- You may receive up to 45 days interest free period for purchases provided you continue to pay your closing balance in full on or before every statement due date.
- Interest-free transfers — 12 months
- 0.00% p.a.12 months introductory balance transfer rate. Reverts to purchase rate after that period. Balance transfer offer (including interest rate and term) applies to approved requests made at the time of application.
- Notifications — Members can set up a variety of notifications in Internet Banking
Eligibility
- Minimum age — 18 years
- Residency status — Individuals must be citizens or permanent residents of Australia.
- Employment status — Applicants must be currently employed or receiving a regular income.
- Pension recipients
Constraints
- Maximum limit — $50,000.00
- Minimum limit — $2,000.00
More Information
Published by RSL Money under the Consumer Data Right · Last updated 25 March 2026 · Product ID 9d1bd433-1c09-47dd-8841-a68e1dc715d1 · View on CDR.gov.au