Once Agile Card Review – Rates and Fees

Information verified correct on October 26th, 2016

Who wants a credit card that comes with extended interest-free days on purchases as well as a low balance transfer offer?

The Once Agile card gives cardholders the ability to make use of up to 6 months interest-free on purchases of $250 or more, up to 48 months interest-free when you shop at participating retailers, and up to 55 interest-free days on all other purchases. This card also comes with an 0% p.a. balance transfer offer, meaning you don’t have to pay any interest on your transferred balance for the first 6 months.

Product NameOnce Agile card
Balance transfer rate (p.a.)0% p.a. for 6 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (22.99% p.a.)
Purchase rate (p.a.)0% p.a. for 6 months (reverts to 22.99% p.a.)
Annual fee$99 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)22.99% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Minimum Monthly Repayment3% or $30 (whichever is greater)
Minimum Income$25,000
Card TypeVisa
Late Payment Fee$35
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Minimum Income$25,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Annual Fee$99 p.a.
Minimum Repayment3% or $30 (whichever is greater)
Late Payment Fee$35
Cash Advance Fee$3.00 or 3% of the total cash advance amount, whichever is higher

Once Agile card review

This credit card is ideal for people who don’t want to pay interest on purchases for extended periods of time. When you use this card at participating Once retailers you can take up to four years to repay what you owe without paying any interest. Otherwise, all purchases of $250 or more don’t attract any interest for 6 months, and you can make use of up to 55 interest-free days on purchases under $250. If you apply for this card, you can take advantage of an 0% p.a.  balance transfer rate that stays in place for 6 months to help you save when you transfer an existing credit card debt.

Benefits of Once Agile card

Benefit-wise, here’s what you can look forward to as a Once Agile cardholder:

    • 0% balance transfer offer. If you have an existing credit card that charges high interest, you can consider transferring its balance to this card. This means you won’t have to pay any interest on the transferred balance for the first 6 months.
  • Shop interest-free. When you use this card to shop at a variety of partner retailers in Australia, you can receive up to as many as 48 interest-free months.If you spend $250 or more on a single purchase, you get 6 months interest-free. For all other purchases, you can make use of up to 55 interest-free days as long as you keep paying the minimum required.

Some of Once Agile’s retail partners include:

  • Thermomix
  • Australian Outdoor Living
  • Solahart
  • Ventis
  • Appliances Online
  • BBQ Factory
  • Ecosmart
  • Forty Winks
  • Beds R Us
  • Access funds in multiple ways. Due to this card’s Visa affiliation, you can use it in over 200 countries and territories. The card can be used at EFTPOS terminals and ATMs, for phone and online transactions, to set up direct debits, and to pay bills via BPAY.
  • ATM access. Once cardholders can access the entire rediATM network, including NAB and BoQ ATMs, across Australia without paying any ATM direct charges.

Features of Once Agile card

Here’s what cardholders can expect in terms of features:

  • Annual fee. Prepare to keep paying $99 for the life of the card.
  • Balance transfer offer. If you use this card to transfer an outstanding balance from another card, you can make use of the promotional 0% p.a. balance transfer rate for the first 6 months.
  • Interest-free days. Depending on where you shop and how much you spend, you can get up to 48 months interest-free, up to 6 months interest-free, or up to 55 days interest-free.
  • Minimum credit limit. This card comes with a minimum credit limit of $1,000.
  • Visa payWave. You can use your card to make contactless payments for purchases less than $100 anywhere you see the payWave logo.
  • Tap2Pay. This app gives you the ability to do away with your card when making purchases, and you can use a compatible Android smartphone device instead.
  • Card security. This card comes with an embedded microchip, making it safer to use when compared to cards that rely on magnetic strips. Verified by Visa also provides additional security for online shopping.

How to apply for the Once Agile card

If you wish to apply for the Once Agile card, simply fill in your details on the secure online application form. Bear in mind you have to meet the following eligibility criteria to apply:

Eligibility criteria

  • You are over 18 years old
  • You are a permanent Australian resident
  • Your annual income is $25,000 or more
  • You have good creditworthiness

Completing the application requires that you provide some basic information, which includes the following.

Required documents

  • Your complete name, date of birth, marital status and number of dependents
  • Your residential status, residential address, email address and phone number
  • Your employer’s name and contact details
  • Details about your income and assets
  • Details about your expenses and liabilities
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2 Responses to Once Agile Card Review – Rates and Fees

  1. Default Gravatar
    Patricia | September 20, 2016

    Dear Team, I have a credit card of $9000 and I wish to take advance of your balance transfer. Iam retired and on a pension of $875 per fortnight, own my home outright.
    would I be eligible for a credit card transfer balance ?

    regards Patricia.
    email is best thank you.

    • Staff
      Sharon | September 22, 2016

      Hi Patricia,

      Thanks for you inquiry.

      You may also have a look at this page for the list of credit cards suited for retired and pensioner applicants. Most of the cards listed on this page also offers a promotional balance transfer offer.

      I would recommend you to compare different credit cards based on the offer provided and fees involved in conjunction with your financial situations and eligibility requirements. The eligibility requirements are at the bottom of each credit card’s review page.

      I hope this has helped.


Credit Cards Comparison

Rates last updated October 26th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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