Product
Provider
Rate
Fee
Annual fee
$80/yr
19.95% p.a. purchase rate
Rates and fees
Annual fee$80
Purchase rate19.95% p.a.
Cash advance rate22.95% p.a.
Interest-free daysUp to 55 days
Foreign transaction fee2.1%
Min income requirement$50000 min income
Rewards
ProgrammeTrue Rewards / Everyday Rewards
Rewards typeDollars or Points
Earn rate$1 per $150 OR 1 point per $2 spent
Features
Contactless
Apple Pay
Google Pay
InsuranceOverseas travel insurance
Additional benefits$300 cashback promo until 10 May 2026; additional card $12 p.a.