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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Summerland Rewards Credit Card
Terms and conditions apply
Balance transfer rate for 12 months with no balance transfer fee
0% p.a.
Purchase rate
18.99% p.a.
Reward points per $ spent
Annual fee for the first year ($79 p.a. thereafter)
$0 p.a.

Our verdict

Get 0% p.a. on balance transfers for the first 12 months and a $0 annual fee in the first year.

The Summerland Rewards credit card offers 0% p.a. on balance transfers for 12 months, with no balance transfer fee. You can also save with a waived annual fee in the first year and $79 p.a. from the second year onwards.

If you’re more interested in getting rewarded for your spending, this card gives you 1 point per $2 spent on eligible purchases, with every 1,000 points equal to $10 cashback on your account. This is equivalent to 0.5% cashback. So if you wanted to use the cashback rewards to cover the cost of the annual fee after the first year, you would need to spend at least $15,800 on eligible purchases over a 12-month period.


  • $0 first-year annual fee
  • 0% p.a. on balance transfers for the first 12 months with no balance transfer fee
  • Earn cash back rewards for your spending


  • Its cash advance rate, currently at 20.49% p.a., is relatively high.
  • A transaction fee of 3% is charged for online or overseas purchases made in a foreign currency using this card.

In this guide

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

The Summerland Rewards credit card offers cashback rewards for eligible spending, with the cash added back to your account every month.


Product details

Product Name Summerland Rewards Credit Card
Balance transfer rate p.a. 0% for 12 months, then 18.99%
Purchase rate p.a.
Interest-free period
Up to 56 days on purchases
Cash advance rate p.a. 20.49%
Min credit limit $1,000
Card type Visa


Available to temporary residents No
Joint application Yes


Rewards program Rewarder Rewards Program
Bonus points N/A
Rewards points per $ spent 0.5
Rewards points cap 100,000


Annual fee
$0 first year ($79 after)
Minimum monthly repayment 2.5% of the closing balance or $20, whichever is greater
Late payment fee $0
Foreign currency conversion fee
Cash advance fee $3.50

How to apply

You can apply for the Summerland Rewards credit card online. To get started, make sure you meet the eligibility criteria and have the required documents and details on hand for the application.

Eligibility criteria

  • Employment. You must currently have paid employment.
  • Residency. You must be an Australian citizen or a permanent resident with the right to work in Australia.

Card benefits

  • Balance transfer offer. Pay off existing debt with a 0% p.a. interest rate for the first 12 months when you request a balance transfer at the time of your application. You can use this card to transfer existing debt from Australian credit cards that are not issued by Summerland, with a minimum transfer amount of $1,000. At the end of the introductory period, any remaining balance transfer debt will attract the 18.99% p.a. purchase rate.
  • $0 first-year annual fee. This card has a $0 annual fee for the first year. After the first 12 months, the annual fee reverts to $79 p.a. and is charged around the anniversary of your account opening.

Rates & fees

  • Purchase rate. The Summerland Rewards credit card comes with an interest rate of 18.99% p.a., which is similar to purchase rates on other rewards cards.
  • Currency conversion fee. A fee of 3% applies when you use this card for purchases made overseas or online in a foreign currency.

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