---
title: "Low Rate Credit Card — Summerland Bank"
description: "Credit & Charge Cards from Summerland Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/summerland-bank/products/74
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T14:00:41.4209802Z
---

# Low Rate Credit Card — Summerland Bank

> Credit & Charge Cards from Summerland Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

Benefit from a low interest rate on purchases.

## At a glance

- **Annual fee:** $49.00

## Apply

Applications are handled by the provider: [Apply at Summerland Bank](https://application.summerland.com.au/nPortal__SelfRegistration?product=a0uOm000005EqqbIAC&core=es5&_gl=1*cy7mzo*_gcl_au*MTYyNjUxNDAwNi4xNzQwNjkxMDQ1)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Balance transfer | 0% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Low Rate Annual Fee — Charged yearly · Discount −100% of fee — The discount is available for holders of a Premium Home Loan. (eligibility: Other: The discount is available for holders of a Premium Home Loan.) | Ongoing | $49.00 |
| Cash Advance Fee | Transaction | $3.50 |

## Features

- **Additional cards**
- **Card access** — Low Rate Visa credit card.
- **Unlimited transactions** (Unlimited Visa purchases.)
- **Balance transfers** (Consolidate your Credit Card Balances with a Summerland Credit Card.
)
- **Digital banking** (Open accounts, check balances, view transactions, transfer funds, schedule payments, BPAY, eStatements, SMS alerts, activate cards, change card PIN, mark card lost or stolen, loan redraw, loan status update, accept loan contracts and send secure messages.
)
- **Digital wallet** — Apple Pay.
- **Digital wallet** — Google Pay
- **Interest-free period** — 55 days (Up to 55 interest free days on purchases.)
- **Interest-free transfers** — 9 months
- **Notifications** — Event based notifications.
- **Real-time payments (NPP)**
- **PayID** (Set up a pay ID to receive lightning fast payments.
)
- **Save on paper, receive and view your statements online with eStatements.**

## More information from Summerland Bank

- [Overview](https://summerland.com.au/my-banking/credit-cards/)
- [Terms & conditions](https://www.summerland.com.au/detailed-credit-card-product-guide)
- [Fees & pricing](https://www.summerland.com.au/fees-charges-transaction-limits)

## Data provenance

- Published by Summerland Bank under the Consumer Data Right
- Product ID: `74`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/summerland-bank/74
- Provider page: https://www.cdrcompare.au/brands/summerland-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000119

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/summerland-bank/products/74) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)