In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Easy Street Easy Low Rate Visa credit card
Terms and conditions apply
Balance transfer rate for 12 months with no balance transfer fee
0% p.a.
Purchase rate
8.99% p.a.
Annual fee
$40 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers 0% interest on balance transfers for 12 months, with a low variable interest rate of 8.99% p.a. for all other transactions.

The Easy Street Easy Low Rate Visa combines simple credit card features with a 0% balance transfer offer and a low interest rate of 8.99% p.a. variable for purchases and cash advances. This rate also applies if you're still paying off part of your balance transfer at the end of the 12-month introductory period. This sets Easy Street's Low Rate Visa apart from most other credit cards, which typically have higher interest rates for cash advances and balance transfers after the introductory period ends.

Pros

  • 0% p.a. for 12 months on balance transfers (reverts to 8.99% p.a.)
  • A low interest rate of 8.99% p.a. applies on purchases and cash advances
  • A competitive annual fee of $40 p.a.
  • Request an additional cardholder at no extra cost

Cons

  • Charges a 3% foreign transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Easy Street Easy Low Rate Visa has a competitive annual fee of $40 and charges the same low interest rate for retail purchases and cash advances. Right now, it also offers 0% interest on balance transfers for the first 12 months.

Details

Product details

Product Name Easy Street Easy Low Rate Visa credit card
Balance transfer rate p.a. 0% for 12 months, then 8.99%
Purchase rate p.a. 8.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 8.99%
Min credit limit $500
Max credit limit $15,000
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $40
Minimum monthly repayment 3% of the closing balance or $20, whichever is greater
Late payment fee $25
Foreign currency conversion fee 3%
Overseas cash advance fee $5
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

You can apply for this credit card online by filling out a secure application form on the Easy Street website. Or, if you'd prefer to apply over the phone, call Easy Street on 1300 13 14 65 between 8am and 8pm Monday to Friday, or 8am and 3pm on Saturdays. You can also request a callback by filling out a contact form on the Easy Street website.

Get started by making sure you meet the following eligibility requirements and have all the essential details and documents on hand.

Eligibility criteria

  • Residency Australian citizens and permanent residents are eligible to apply.
  • Income. You must have an ongoing income to apply for this card, and will be asked for details during the application process.

Card benefits

  • Balance transfer offer. If you want to pay off an existing credit card, you can transfer the balance to this card and get 0% interest for the first 12 months. This offer is available to new and current Easy Street Easy Low Rate Visa cardholders who transfer a new balance to the card, as long as the balance is not from an Easy Street or Community First account. At the end of the introductory period, the card's variable interest rate applies to any remaining balance transfer debt (currently 8.99% p.a.). Note that you won't be eligible for interest-free days on purchases when you carry a balance transfer debt.
  • Low interest rate. The 8.99% p.a. variable rate is at the lower end of the scale for Australian credit cards. Interest rates typically range from around 8.99% p.a. to 21.99% p.a. or higher.

Rates & fees

  • Annual fee. This $40 fee is charged when you first get your Easy Street Easy Low Rate Visa card, and then every year on that anniversary.
  • Additional cardholder. If you want to share your account with a partner or family member, you can request an additional card at no extra cost.

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Amy Finder

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