| | Benefits:
|  | - Typical rate 15.9% APR (variable).
- Lower interest rate on big purchases.
- 0% p.a. on balance transfers for ten months (transfers made within 3 months of account opening, and 2.75% handling fee applies).
- 0% p.a. on card purchases for three months.
- 0% commission on purchases overseas.
- 0% again on balance transfers for 5 months (2.75% handling fee) on the month of your 1st and 2nd anniversary.
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