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Here's the low down.

Don't you hate it when one of the banks lure you in with a super low intro rate, which then stings you with a rate pushing 20%?

But not First Option. Our Low Rate Credit Card is just that. New accounts start at only 1.99%pa for the first 6 months, then revert to a low 11.99%pa long term. We'll even waive the monthly fee for the first 6 months and give you up to 55 days interest free!

Apply now

credit card
Start Low


intro rate for 6 months

Applies to

balance transfers, cash advances and purchases


monthly fee first 6 months

Stay Low


ongoing variable rate

up to 55 days

interest free


low monthly fee



Apply now


The low low down

* This offer applies to new accounts only, opened from 1 November 2016. After the first 6 months, the interest rate will revert to the standard variable rate. After the first 6 months the monthly fee will apply. This offer only applies to the First Option Low Rate Visa Credit Card. The above product is provided by First Option Credit Union Limited ABN 95 087 650 735, Australian Credit Licence 236 509. Terms, conditions, fees and charges apply and can be obtained from First Option. Loans subject to normal eligibility criteria.