Some credit card companies try to suck you in with low introductory interest rates, only to raise them significantly after the introductory period expires. Not the Aussie credit card. The Aussie MasterCard gives you low introductory rates on both balance transfers and purchases when you’re approved. After the special rates expire, rates do increase, but by less than 2% for purchases. Even after the introductory period, you’ll continue to enjoy low interest on your Aussie MasterCard.

Learn more about the Aussie credit card below, and apply online to get a response in about 60 seconds from submitting your application.

Type of Credit Card: Low interest / balance transfer card

Interest Rates*: The Aussie MasterCard offers two different introductory interest rate offers for your first 12 months as a cardholder. First, you’ll receive a 4.99% interest rate on balance transfers. You’ll also receive a very low 9.99% APR on new purchases. When the introductory period is over, your balance will convert to a low 11.49% interest rate. Even the cash advance rate on the Aussie MasterCard is low — 17.99%, which is less than the regular purchase rate on many credit cards.

Annual Fee*: If you are approved for an Aussie MasterCard, you’ll be required to pay a $49 annual fee.

Rewards / Extras*: The Aussie MasterCard is not a rewards card. However, you do receive a benefit beyond the interest rate introductory periods because it is a MasterCard. That means you can be better protected when shopping online with some merchants by using a MasterCard Securecode™. With most credit cards, thieves can make purchases online with basic credit card information available on the card itself. When the Aussie credit card is used at participating retailers online, the user must enter a secret code (similar to an ATM PIN). Because only the cardholder knows that code, a thief cannot use the stolen credit card at the more than 350,000 retailers participating in the programme worldwide.

Additional Details*: Even though the Aussie MasterCard is a low interest credit card, you may be able to avoid paying interest at all. You’ll receive up to 55 interest free days on purchases when you pay off your balance in full each statement period.

To be approved for an Aussie MasterCard, you must have an annual income of at least $15,000 (or $50,000 if you are not an Australian citizen or permanent resident).

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* Interest rates, annual fees, and other Aussie MasterCard details mentioned above were taken from the most accurate data available at the time of writing. All rates are subject to change from the issuing bank, and their inclusion here in no way serves as a guarantee of rates. Please review rates and terms with the card issuer at the time of application.