MOVE Bank Low Rate credit card

Get a competitive interest rate of 8.99% p.a. and a $0 annual fee in the first year with this Visa credit card.

The MOVE Bank Low Rate credit card also offers an introductory 0% p.a. on balance transfers for the first 6 months when you request a balance transfer at the time of your application.

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0% p.a.

Balance transfer rate

for 6 months with no balance transfer fee

8.99% p.a.

Purchase rate

$0 p.a.

Annual fee

for the first year ($59 p.a. thereafter)

45 days

Interest free period

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Product NameMove Bank Low Rate Credit Card
Balance transfer rate0% p.a. for 6 months
Balance transfer revert ratePurchase Rate (8.99% p.a.)
Balance transfer limit80% of available limit
Purchase rate8.99% p.a.
Annual fee$0 annual fee for the first year ($59 p.a. thereafter)
Interest-free periodUp to 45 days on purchases
Cash advance rate12.99% p.a.
Min credit limit$1,000
Max credit limit$25,000
Card typeVisa
Foreign currency conversion fee2%
Available to temporary residentsNo
Joint applicationNo


  • 0% p.a. on balance transfers for up to 6 months
  • $0 annual fee for the first year ($59 p.a. thereafter)
  • Ongoing low purchase interest rate of 8.99% p.a.


  • Does not offer a rewards program or travel insurance covers
  • Only offers up to 45 days interest-free on purchases, as opposed to most cards with 55 days
Bonus pointsN/A
Annual fee$0 annual fee for the first year ($59 p.a. thereafter)
Minimum monthly repayment3% of the closing balance or $20, whichever is greater
Late payment fee$15
Foreign currency conversion fee2%
Cash advance fee$5

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 8.99% p.a. purchase rate on this credit card from MOVE Bank is competitive with other low rate cards. The same goes for the annual fee, which is waived in the first year and then reverts to $59 p.a.

It also offers up to 45 days interest-free on purchases when you pay the balance in full by the due date on each statement and has a 12.99% p.a. cash advance rate that is on the lower end of the scale.

How to apply

You can apply for the MOVE Bank Low Rate credit card online in around 10 minutes, and should get a response within 1 working day of submitting the completed application. Get started by making sure you meet the eligibility criteria and have all the required documents and details on hand.

Eligibility criteria

  • Residency status. You must be a permanent resident of Australia to apply for this card.
  • Age. You must be at least 18 years of age.

Card benefits

  • 8.99% p.a. purchase rate. The low variable interest rate on this card applies to new purchases, as well as any balance transfer debt that remains at the end of the introductory period.
  • 0% p.a. balance transfer rate. Apply for this card and request a balance transfer at the time of your application and you'll enjoy 0% p.a. interest on the transferred debt for the first 6 months. With this card, you can balance transfer a minimum of $500 and up to 80% of your approved credit limit from credit cards issued by other lenders. The introductory period will begin on the date the balance transfer is approved. Note that interest-free days do not apply when you carry a balance transfer debt.

Rates & fees

  • Annual fee. This card offers a $0 annual fee in the first year ($59 p.a. thereafter).
  • Overseas transaction fee. A fee of 2% applies when you use this card overseas or online with the retailer that is based overseas.

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