Summerland Bank Rewards Credit Card
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CardIQ
Fair
Overall score, out of 100 · How this works
- 55 days interest-free52
- Balance transfer65
- First timer66
- Low rate49
- No annual fee56
- Rewards28
Customer reviews
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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 18.99% p.a.).
- No annual fee.
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- The annual fee increases from $0 to $79 in the second year.
- Earns 0.5 points per $1 on everyday spend, below the dataset average.
- 3% foreign transaction fee on overseas spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $1,000 – $100,000
- Credit rating
- Good
- Rewards program
- Rewarder Rewards Program
Eligibility
- Instant approval
- No
- Joint application
- Yes
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 20.49% p.a.
- Purchases
- 18.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- No annual fee
- Annual fee (year 2+)
- $79 p.a.
- Cash advance fee
- —
- Foreign transaction fee
- 3%
- Late payment fee
- $0
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2.5% of the closing balance or $20, whichever is greater
Balance transfers
- Can't transfer from
- Summerland Bank
- Limit
- Up to your available credit limit
- Period
- 12 months
- Promotional rate
- 0% p.a.
- Revert rate
- 18.99% 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
Earn rate
- Everyday spend
- 0.5 pts per $1
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- None
- ATO/government
- None
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- Points don't expire while your account is open and in order.
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- —
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.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Browse by card type
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Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Summerland Bank