Beyond Bank Australia
Low Rate Credit Card
Beyond Bank Australia · cred and chrg cards
Provider last updated this product 2026-09-23.
Go to provider
You'll complete your application on
Beyond Bank Australia's website. Confirm the rate and fees with them
before applying.
Enjoy the benefits of our Low Rate Credit Card and receive up to 62 days interest free days on purchases or take advantage of our balance transfer offer.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| BALANCE TRANSFER | 0.00% | - | UNCONSTRAINED | PRINCIPAL AND INTEREST | 12 months | - | calculated daily, paid monthly |
| For a limited time, this offer is available on balance transfers for a 12 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit cards not issued by Beyond Bank. A minimum transfer amount of $500 is required, and the offer must be requested within one month of your credit card being funded. After the 12-month promotional period, any remaining balance will revert to the variable interest rate for Purchases applicable at that time. Conditions apply. | |||||||
| BALANCE TRANSFER | 4.99% | - | UNCONSTRAINED | PRINCIPAL AND INTEREST | 6 months | - | calculated daily, paid monthly |
| For a limited time, this discounted rate is available on balance transfers for a 6 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit cards not issued by Beyond Bank. A minimum transfer amount of $500 is required, and the offer must be requested within one month of your credit card being funded. After the 6-month period, any remaining balance will revert to the variable interest rate for Purchases applicable at that time. Conditions apply. | |||||||
| CASH ADVANCE | 11.99% | - | UNCONSTRAINED | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| PURCHASE | 11.99% | - | UNCONSTRAINED | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| Up to 62 interest free days available on purchases. Conditions apply. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Bank@Post Deposit Fee | TRANSACTION | $2 | This fee is payable for Bank@Post deposits made at participating Australia Post Offices. |
| Bank@Post Withdrawal Fee | TRANSACTION | $4 | This fee is payable for Bank@Post withdrawals made at participating Australia Post Offices. |
| Cash Advance Fee | TRANSACTION | $4 | This fee is payable whenever you perform a cash advance transaction of your visa credit card. |
| Default Notice Fee | EVENT | $20 | This fee is payable whenever we send you a default notice because you have defaulted under the contract. |
| Annual Card Fee | PERIODIC | $59 | This fee is payable at the end of the month in which your account is opened and every 12 months thereafter. |
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
- AutoPay: you can choose to automatically pay a set amount, the minimum monthly payment or the total balance every month.
Who can apply
- min age - 18
- natural person
- otherLending criteria applies.
- otherMembership: You must be or become a Beyond Bank Australia member
- residency status - Australian CitizenMust be an Australian citizen, Permanent Australian resident or hold a Visa - if a Visa holders' income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan. An Australian resident is a person who is living in Australia and is an Australian citizen, a permanent visa holder, or a protected Special Category visa (SCV) holder.
Limits
- max limit - 80000.00
- min limit - 1000.00
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: 2026-09-23T04:00:31.7116313Z · Product ID: 11