Easy Street Easy Low Rate Visa

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Save on interest charges with a variable rate of 8.99% p.a.

The Easy Street Easy Low Rate Visa has a competitive annual fee of $40 and charges the same interest rate for retail purchases, cash advances and balance transfers.

8.99% p.a.

Balance transfer rate

8.99% p.a.

Purchase rate

$40 p.a.

Annual fee

55 days

Interest free period

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Details

Product NameEasy Street Easy Low Rate Visa credit card
Balance transfer rate8.99% p.a.
Balance transfer revert rateCash Advance Rate (8.99% p.a.)
Purchase rate8.99% p.a.
Annual fee$40
Interest-free period55 days
Cash advance rate8.99% p.a.
Min credit limit$500
Max credit limit$15,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo

Pros

  • A low interest rate of 8.99% p.a. applies on purchases, balance transfers 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
Annual fee$40
Minimum monthly repayment3% of the closing balance or $20, whichever is greater
Late payment fee$25
Foreign currency conversion fee3%
Additional cardholder fee$0
Number of additional cardholders1

Expert review

Amy Bradney-George

Review by


Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Easy Street Easy Low Rate Visa combines simple credit card features with a low rate of 8.99% p.a. (variable) for purchases, cash advances and balance transfers. This sets it apart from most other credit cards, which typically have higher interest rates for cash advances. Having the same rate for these different transactions can also make it easier to keep track of interest charges.

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.
  • Age. You must be at least 18 years of age to apply for a credit card.

Card benefits

  • 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.
  • Up to 55 days interest-free on purchases. If you pay your balance in full by the due date on each statement, you'll get up to 55 days interest-free on purchases you make in the next statement period. The interest-free period starts on the first day of your statement and runs through to the due date for that statement period, giving you a way to completely avoid interest charges on purchases.

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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