The Bendigo Bank Low Rate First Mastercard has a low purchase rate of 11.99%. This is good not just for credits cards, which can be up above 20%, but it’s pretty competitive amongst other low rate credit cards as well.
If you ever find yourself hopping over to an ATM for some cash out, then you won’t be too put out with only a 13.99% cash advance rate. Plus, there's a very low $29 annual fee, that won't break the bank.
Low annual fee, low purchase rate, good cash advance rate, must have 0 interest free days right? Nope. You still get to enjoy up to 55 interest free days. Furthermore, in a rather unique situation, Bendigo Bank starts charging interest from the statement date, instead of the purchase date, so you save on interest.
If you want to have two cards on the same account, with the Bendigo Bank Low Rate First Mastercard, you are able to have an additional cardholder for no extra costs.
Plus, this card will also give you access to the exclusive rewards that are a part of Mastercard Priceless Cities.