Summerland Bank Low Rate Credit Card
credit card
Low Rate Credit Card is a credit card from Summerland Bank, as the bank publishes it in its product data. Its purchase rate is 11.99% and its card fee $49 a year. It ranks 20th of 52 issuers for a personal card by lowest purchase rate.
What the feed states
- Purchase rate
- 11.99%
- Cash advance rate
- 15.99%
- Interest-free days
- up to 56
- Card fee
- $49 a year (Low Rate Annual Fee)
- Fee offer
- The discount is available for holders of a Premium Home Loan.
- Balance transfer offer
- 0.00% for 9 months
- Balance transfer rate otherwise
- 0.00%
- Digital wallets
- Apple Pay, Google Pay
- Additional cardholders
- offered
- Scheme
- Visa
Conditions and offers
- corrected from the bank's own page: 11.99% on purchases, 15.99% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days
- 0.00% on balance transfers for 9 months
- no late payment fee
- up to 56 days interest-free on purchases, including while a balance transfer is outstanding
- minimum balance transfer $1,000, only from Australian-issued non-Summerland cards
- $3.50 fee for each Visa cash advance or ATM withdrawal, including overseas
- $49 annual fee waived in the first year
- 0% for 9 months on transfers requested with a new card application, then the purchase rate; no transfer fee; minimum $1,000 from non-Summerland Australian cards
- purchase rate 11.99%, cash advance rate 15.99% (the feed gives no rates)
About this card
Benefit from a low interest rate on purchases.
Data
- Summerland Bank's own page for this card.
- The issuer's documents its feed links to: terms and conditions, fees.
- Our verbatim snapshot of the bank's product record (source), as fetched on 2026-11-12.
- The issuer's Key Facts Sheet.
/au/finance/credit-cards/v1/brands/summerland-bank.json: this issuer's cards as JSON; Summerland Bank's page lists them.- The bank last updated this record on 2026-11-12; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.
Other cards at Summerland Bank
- Rewards Credit Card credit card, 18.99%, $79 a year
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