Credit Card Compare

RSL Money Low Rate Visa Credit Card

Data last updated 23 July 2026
11.99%
Purchase rate
$49
Annual fee
45 days
Interest-free

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You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia

CardIQ

69Good

Good

Overall score, out of 100 · How this works

  • Balance transfer69
  • Low rate68

Customer reviews

No reviews yet. Be the first to review the RSL Money Low Rate Visa Credit Card.

Pros & cons

What's good

  • 12 months at 0% p.a. on balance transfers, longer than the 12-month median (no transfer fee, reverts to 11.99% p.a.).
  • The 11.99% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
  • 1% foreign transaction fee, below the 3% most cards charge.
  • No fee to add an additional cardholder.

Worth noting

  • Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Visa
Card use
Personal
Credit limit
$2,000 – $50,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
No
Joint application
No
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen, permanent resident, or New Zealand citizen living and working permanently in Australia; must be an RSL Sub-Branch member or the spouse of one (RSL Sub-Branch social/community membership is open to the public)
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
19.99% p.a.
Purchases
11.99% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$49 p.a.
Cash advance fee
—
Foreign transaction fee
1%
Late payment fee
$10

Repayments

Interest-free period
Up to 45 days on purchases
Minimum repayment
2% of the closing balance or $20, whichever is greater

Balance transfers

Can't transfer from
RSL Money
Limit
Up to your available credit limit
Period
12 months
Promotional rate
0% p.a.
Revert rate
11.99% p.a.
Transfer fee
0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate11.99%Top 25% (29th of 196 cards)
Overseas fee1.00%Top 25% (29th of 200 cards)
Balance transfer0% for 12 monthsTop 25% (15th of 67 cards)
Annual fee$49 a yearBetter than most (57th of 200 cards)
Interest-free days45 daysNot as good as most cards (126th of 192 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
RSL Money