You can apply online here, or by downloading the Handy Finance app. It only takes a few minutes to get started!

To apply, you must:

• Be 18 years or older.
• Have a minimum annual income of $30,000 (after tax).
• Maintain a clean credit history.
• Be an Australian citizen or permanent resident.

For every purchase you make, you earn 0.25% of the transaction amount as Cashback. This credit is applied to your account balance, helping you save automatically.

Handy Points are rewards you earn with every purchase. The more Handy Points you collect, the more benefits you unlock, such as lower fees and access to premium card levels like Platinum and Black. For more information visit the Handy Points page.

Yes! You can split your balance into 4 easy instalments, giving you even more flexibility in managing your repayments.

You can choose from these repayment options:

• Lowest Repayment: 3% of your balance (minimum $40).

• Set Your Repayment: Choose a custom amount (minimum $40).

• Maximum Repayment: Pay the full balance, in 4 instalments or one lump sum.

Payments can be made weekly, fortnightly, or monthly, based on what works for you

Yes, that’s right! Our Zero-Interest Credit Card guarantees no interest ever, no matter how you use it.

• Late Payment Fee: $9.00. 
• Disputed Transaction Fee: $10 for unsuccessful disputes.
• Cash Advance Fee: 3% of the amount, minimum $4.00 (cash advance limit: 20% of credit limit).
• International Transaction Fee: 2.99%.