Bank Australia
Low Rate Visa Credit Card
Bank Australia · cred and chrg cards
Provider last updated this product 2026-04-10.
A lower interest rate to reduce your borrowing costs. Great for those who have a carryover balance each month.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 12.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Minimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance. | |||||||
| PURCHASE | 12.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Minimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance. | |||||||
| BALANCE TRANSFER | 0.00% | - | OTHER | OTHER | 6 months | - | calculated daily, paid monthly |
| 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. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Cash Advance Fee - Domestic | CASH_ADVANCE | $3.50 | A fee charged to any cash advance within Australia through all channels. |
| Cash Advance Fee - Overseas | CASH_ADVANCE | $3.50 | Applies to any cash advance made outside Australia, plus the International Transaction Fee (ITF) |
| Visa emergency card/cash overseas fee | REPLACEMENT | $175 | 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 (ITF) | TRANSACTION | 3.00% | When you undertake an International transaction on a Bank Australia Visa Debit Card you will be charged the fee. An International transaction is any purchase, withdrawal or credit in a currency other than Australian Dollars or where the merchant or financial institution accepting the transaction is outside of Australia or where there is a currency conversion. |
| Annual Fee - Low Rate Credit Card | PERIODIC | $0 | An annual fee charged on your credit card. |
| Additional Cardholder Fee | EVENT | $0 | You can request that we allow someone else to have a card on your account at no charge |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-08-09 | 2026-09-30 (current) | 0.00% |
Published figures as captured daily since 2026-08-09. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Card Controls: Decide the features you want enabled on your card including card lock, digital wallet, pay wave, international transactions, ATM withdrawals or online/instore transactions and simply switch them on or off from your App or Internet Banking.
Who can apply
- min age - 18
- natural personNatural Person or In trust for a Natural Person or Non-Individual entity
- otherEach application for credit is subject to our normal lending criteria and approval.
- residency status - AUAvailable to citizens or permanent resident of Australia and valid Visa holders. Make sure you are currently in receipt of a regular income.
Limits
- min limit - 1000.00Minimum Credit Limit of $1000 is required
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-04-10T05:29:19.363Z · Product ID: a3e1054a-73da-469f-863e-0f3418967627