Low Rate Visa Credit Card
A lower interest rate to reduce your borrowing costs. Great for those who have a carryover balance each month.
Category: Credit and Charge Cards Last Updated September 18, 2024 Effective November 1, 2024
General Lending Rates
Rates listed below are for a product. Additional Information
Interest Rate
NA PA
NA PA
Comparison Rate
NAPA*
NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
, PURCHASE, 12.99%
- Lending Rate Type: Purchase
- Interest Rate: 12.99%, Comparison Rate 0.00%
- Repayment Type:
- Loan Purpose:
Product Features
- Balance Transfers Additional Information: 0% for 6 months. You can request to transfer the balance of another Banks's credit card to your Bank Australia Low Rate Visa Credit Card, to help you reduce interest charges.
- Card Access Additional Information: Use instore, online and withdraw local currency at millions of locations, everywhere Visa is accepted. Cards are enabled to support diverse needs with raised bumps on the left hand-side on the front face of the card.
- Digital Banking Additional Information: You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking.
- Digital Wallet Additional Information: Leave your wallet behind and pay for the things you need with Google Pay/ Samsung Pay/ Apple Pay.
- Notifications Additional Information: Notifications can be enabled in the App or through Internet Banking, allowing you to be alerted either by email, sms or through the App about your card/account activity.
- Other Additional Information: Card Controls: Decide the features you want enabled on your card including card lock, digital wallet, pay wave, international transactions, ATM withdrawals or online/instoretransactions and simply switch them on or off from your App or Internet Banking.
Product Eligibility
- Min Age - 18.
- Natural Person Additional Information: Natural Person or In trust for a Natural Person or Non-Individual entity
- Other Additional Information: Each application for credit is subject to our normal lending criteria and approval.
- Residency Status - Au. Additional Information: Available to citizens or permanent resident of Australia and valid Visa holders. Make sure you are currently in receipt of a regular income.
Bank Fees and Charges
- Cash Advance Fee - Domestic (Transaction), Amount: 3.50. Additional Information: A fee charged to any cash advance within Australia through all channels
- Cash Advance Fee - Overseas (Transaction), Amount: 3.50. Additional Information: Applies to any cash advance made outside Australia, $3.50 plus Foreign Currency Conversion Fee is applicable.
- Visa Emergency Card/cash Overseas Fee (Event), Amount: 175.00. Additional Information: A fee charged when you need an emergency replacement card or cash delivered to you on an urgent basis to an address overseas.
- International Transaction Fee (Purchase), Amount: Not Listed.. Additional Information: The International Transaction fee applies to Visa transactions where there is a currency conversion and/or the transaction is processed overseas
- Annual Fee (Periodic), Amount: 59.00. Additional Information: An annual fee charged on your credit card.
- Additional Cardholder Fee (Periodic), Amount: 0.00. Additional Information: You can request that we allow someone else to have a card on your account at no charge
Limitations & Restrictions (Constraints)
- Min Limit of 1000.00 Additional Information: Minimum Credit Limit of $1000 is required
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