KLASS BANK

Choose what you need from a credit card

Compare the purpose of the card before applying: everyday rewards, managing borrowing costs, or a deposit-backed arrangement.

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Find the arrangement that fits

Select an option to build your preparation list and a focused request to KLASS BANK.

Rewards and cashback

Eligible everyday purchases

For customers who want eligible purchases to earn rewards. Compare how rewards are earned and redeemed alongside the cost of any unpaid balance.

What to compare and prepare

Check earning exclusions, redemption rules, fees and the standard purchase rate.

  • Expected purchase categories
  • repayment approach
  • existing card commitments

Purchase and balance-transfer needs

Managing a card balance

For customers evaluating the cost of carrying or transferring a balance. A promotional period and the standard rate are separate parts of the decision.

What to compare and prepare

Confirm whether a transfer offer applies, its fee, expiry and subsequent rate.

  • Balance to discuss
  • current repayments
  • intended repayment period

Deposit-backed credit

A secured credit arrangement

For customers considering a credit card supported by a security deposit. The deposit and available credit are governed by the card agreement and assessment.

What to compare and prepare

Review deposit requirements, credit assessment, repayment obligations and release terms.

  • Income and commitments
  • available security deposit
  • identification for the application
Compare all options side by side
Compare the purpose and terms to review
OptionPrimary needTerms to review
Rewards and cashbackEligible everyday purchasesCheck earning exclusions, redemption rules, fees and the standard purchase rate.
Purchase and balance-transfer needsManaging a card balanceConfirm whether a transfer offer applies, its fee, expiry and subsequent rate.
Deposit-backed creditA secured credit arrangementReview deposit requirements, credit assessment, repayment obligations and release terms.

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