Product Summary

Who's this product for?People who want a simple credit card with a low annual fee.
Am I eligible to apply? You need to be at least 18 years of age and a permanent Australian resident.
How much can I borrow? Credit limits from $500

Interest Rates
Interest typeVariable
Interest rate23.50% p.a.*
Cash advance rate23.50% p.a.*
Balance transfer rate9.99% p.a. for up to 6 months^
Interest free daysUp to 55 days on purchases†

Fees and Charges
To take out the product None
When using this product

$39 annual fee
$1.50 payment handling fee when paying at Australia Post
$1.95 or 3% of the cash advance (which is greater) when you withdraw cash from an ATM in Australia.
Other fees and charges apply for optional services, or if you don't make your payments on time.
 All fees and charges

When paying out or closing this product None
Ready to apply?
  • Find a Branch. Find the GE Money branch that's closest to you.
  • Download an application form [PDF]

*Approved applicants only. Conditions, fees and charges apply. Interest rates and fees are current as at  and are subject to change.

^Special balance transfer annual percentage rate applies for six months from account opening. The interest rate on unpaid balance transfer then reverts to the standard annual percentage rate.

†Interest free days on purchases apply if you pay your account in full by the due date each month. Cash advances are subject to interest from the date of withdrawal. You will not receive interest free days on purchases if you have an outstanding balance transfer. See the Condition of Use for further details.

Credit approved by GE Capital Finance Australia (ABN 42 008 583 588), trading as GE Money.