If you've been spending more than you thought on your credit card, our award winning Beyond Bank Low Rate Credit Card could be the answer. It offers you: • 0% on balance transfers for 12 months • Up to 62 interest-free days on new purchases This means you won’t pay any interest on the balance you transfer until next year after which your balance will transfer to our low purchase rate, so managing your credit should be a whole lot easier. Apply for our Visa Card today and start enjoying the benefits.