Via facile
Low 8.99% p.a. on purchases and cash advances, 0% p.a. for 12 months on balance transfers, $50 annual fee, and flexible credit limits from $500.
If you’re after a low-fuss way to manage your everyday spending, the Easy Street Low Rate Credit Card deserves your consideration. This card stands out for its competitive 8.99% p.a. interest rate on both purchases and cash advances. Minimum credit limits start from $500, offering flexibility for a range of needs. The annual fee is just $50, which adds to its appeal for those who want value without extra complications. Plus, one of the major drawcards: you can access 0% p.a. on balance transfers for the first twelve months when you switch from another financial provider.
How To Apply: Simple Step-By-Step
- Check you are over 18, an Australian citizen or permanent resident, and have no recent credit defaults.
- Have your income details, employment info, and address history ready.
- Gather documentation like payslips or tax returns if self-employed.
- Apply online or over the phone using the Easy Street application portal.
- Provide supporting documents and submit your application for review.
Principali vantaggi
The low 8.99% p.a. interest rate on purchases and cash advances is a notable advantage, especially for those looking to keep their interest costs down.
Another strong benefit is up to 55 days interest free on purchases when you pay off your balance in full each month. Additionally, the $50 annual fee is quite competitive for the features provided. The card also comes with Visa’s Zero Liability and added digital payment compatibility—it works with Apple Pay, Google Pay, and Samsung Pay.
Considerations
It’s important to note that while the card offers 0% p.a. on balance transfers for the first 12 months, interest applies to new purchases if you have an outstanding transferred balance.
There is also a 3% conversion fee on international transactions, which could add up if you travel or shop overseas often. The card does not include rewards, so if you’re seeking points, this card is likely not for you.
Verdetto
The Easy Street Low Rate Credit Card presents a straightforward, low-cost option for Australians who want to save on interest and avoid hidden fees. It’s best suited for practical spenders who don’t need rewards but value strong security and flexible limits. This card could be a clever solution for consolidating balances or just managing everyday expenses affordably.
