Summerland Bank Rewards Credit Card

credit card

Rewards Credit Card is a credit card from Summerland Bank, as the bank publishes it in its product data. Its purchase rate is 18.99% and its card fee $79 a year. It ranks 15th of 22 issuers for a personal card by the length of its balance transfer offer; and 5th of 24 issuers for a personal card with a rewards programme, by annual fee.

What the feed states

Purchase rate

18.99%

Cash advance rate

20.49%

Interest-free days

up to 56

Card fee

$79 a year (Rewards Annual Fee)

Fee offer

The discount is available for holders of a Premium Home Loan.

Balance transfer offer

0.00% for 12 months

Balance transfer rate otherwise

0.00%

Rewards programme

Summerland Credit Card Rewards Program

Digital wallets

Apple Pay, Google Pay

Additional cardholders

offered

Scheme

Visa

Conditions and offers

• corrected from the bank's own page: 18.99% on purchases, 20.49% 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 12 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
• $79 annual fee waived in the first year
• 0% for 12 months on transfers requested with a new card application, then the purchase rate; no transfer fee; minimum $1,000 from non-Summerland Australian cards
• 1 point per $2 spent, paid monthly as cash at $10 per 1,000 points
• capped at 100,000 points in each 12-month period
• purchase rate 18.99%, cash advance rate 20.49% (the feed gives no rates)

About this card

Earn Rewards points on your everyday spend.

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

• Low Rate Credit Card credit card, 11.99%, $49 a year