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A Credit Card for all seasons

If you have a bank credit card, you could be paying rates of around 20%.

Now that Christmas is over, switch to a First Option Credit Card and avoid paying high interest to the bank.

It has loads of features, with a rate that starts low and stays low.

  • Purchases are easy with Visa payWave and Mobile payments
  • The low monthly fee is waived for the first 6 months
  • No fee for additional card holders
  • The option of a Cash Rewards program
  • Serviced by our teams based in Sydney and Melbourne

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


Please note

* 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.