Official bank rate minus margin is what you tend to get with some advertising chucked in for some twisted hope they can upsell you into other more profitable products (banks have gotta eat too).
Much of muchness with new cost of living predicament and inflation rate.
Probably best to pay off debt and up super contributions (fingers crossed there's no serious correction), to be honest.
Oh yeh
Salary sacrificing Super rapidly increases the balance unbelievably