Service One Visa Credit Card

Get a 12.24% p.a. interest rate for purchases and cash advances, plus contactless and mobile payment options.

The Service One Visa Credit Card has a $45 annual fee and can be added to your Apple Pay, Google Pay or Samsung Pay account for mobile payments. It also offers up to 55 days interest-free on purchases when you pay your balance in full by the due date on each statement.

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8% p.a.

Balance transfer rate

for 8 months

12.24% p.a.

Purchase rate

$45 p.a.

Annual fee

55 days

Interest free period

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Product NameService One Visa Card
Balance transfer rate8% p.a. for 8 months
Balance transfer revert rateCash Advance Rate (12.24% p.a.)
Purchase rate12.24% p.a.
Annual fee$45
Interest-free periodUp to 55 days on purchases
Cash advance rate12.24% p.a.
Card typeVisa
Foreign currency conversion fee2%
Available to temporary residentsNo
Joint applicationNo


  • 8% p.a. on balance transfers for 8 months
  • Low 12.24% p.a. interest rate on purchases and cash advances


  • No rewards program and travel insurance
Bonus pointsN/A
Annual fee$45
Late payment fee$15
Foreign currency conversion fee2%
Overseas ATM withdrawal fee$3

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Service One Visa credit card combines simple credit card features with competitive rates and fees. Its 12.24% p.a. variable interest rate is on par with other low rate options and applies to both purchases and cash advances. The introductory interest rate could also be suitable for a very small balance transfer. But if you have a larger debt, you might want to consider a 0% p.a. balance transfer offer instead.

How to apply

You can apply for the Service One Visa Card online, or you can download an application and mail it or drop it at a Service One branch. Before you get started, check if you meet the eligibility criteria and have the necessary information to complete the application:

Eligibility criteria

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

Card benefits

  • Same rate for purchases and cash advances. This card charges a competitive interest rate of 12.24% p.a. for purchases and cash advance transactions, which could help you keep track of your account balance and any interest charges.
  • Balance transfers. This card offers an introductory interest rate of 8% p.a. on balance transfers for the first 8 months. At the end of the introductory period, any remaining balance transfer debt will attract the card's 12.24% p.a. interest rate.

Rates & fees

  • Annual fee. This card charges an annual fee of $45, which is charged at the end of March each year.
  • Interest-free days. Pay your account balance in full by the due date on each statement and you can get up to 55 days interest-free on purchases.

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