Border Bank
Credit Card
Border Bank · cred and chrg cards
Provider last updated this product 2026-07-29.
Go to provider
You'll complete your application on
Border Bank's website. Confirm the rate and fees with them
before applying.
A Low Rate and low Annual Fee Credit card
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 10.76% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| CASH ADVANCE | 10.76% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Replacement Card Fee | EVENT | $10 | Payable for any second or subsequent request for the replacement of a Visa Card |
| Visa International Fees | TRANSACTION | 3.00% | Payable if and when you use the Visa Card overseas and the transaction is in a foreign currency. All overseas transactions are converted to Australian dollars and are subject to this fee as a percentage of the value of the transaction. A proportion of the fee may be retained by Border Bank. The amount of this conversion fee is subject to change from time to time and we will advise you in advance. |
| Bank@Post Cash Withdrawal fee | WITHDRAWAL | $2 | Includes; cash withdrawals, declined Bank@Post transactions including incorrect PIN entered, insufficient funds and exceeding withdrawal limits |
| Visa Credit Card Annual Fee | PERIODIC | $30 | - |
| Third Party Costs | EVENT | $0 | At Cost. Any costs charged to us from a third party will be passed on to you. Information on these costs is available on request. |
| Default Notice Fee | EVENT | $21.50 | Payable if and when we send you a default notice for an overdrawn account where an arrears remains unremedied after we have sent you an arrears letter. |
| Additional Statement Fee | EVENT | $5 | $5.00 for Archive Retrieval and $1.50 per page. |
| Overdrawn Account Fee | EVENT | $15 | Payable when you exceed your credit limit by $75 or more within a calendar month. Interest will also be charged on any amount overdrawn in excess of the approved credit limit at the then current annual percentage rate. |
| Visa Overseas Emergency Fee | EVENT | $175 | Payable when you request an emergency replacement Visa Card or emergency cash advance overseas. |
| External Electronic Periodical Payments | TRANSACTION | $1 | Per transaction that you request Border Bank staff to set up on your behalf. |
| Bank Cheque | EVENT | $0 | At Cost |
| Bank Draft | EVENT | $15 | Per Draft |
| Visa Voucher Request | EVENT | $16.50 | Payable per Visa voucher requested. |
| Counter Cash withdrawal $25,000 and over | WITHDRAWAL | $50 | Per Withdrawal |
| ATM Balance Enquiry fee | EVENT | $0 | At Cost |
| ATM Overseas withdrawal | WITHDRAWAL | $3.80 | Visa Cash withdrawal at a merchant using the CR (Credit) facility, another financial institution, or an overseas ATM withdrawal, or any ATM withdrawal from an S14 Visa Credit Card. |
| Dormant Accounts fee | EVENT | $10 | After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees and government charges are not classed as transactions. |
| Document Retrieval Fee | EVENT | $0 | Minimum $22.77 per hour retrieval fee and minimum $30.00 per hour administrative fee. |
| Counter Cash withdrawal fee up to $24,999 | WITHDRAWAL | $2 | Per Withdrawal |
| Visa Cash Advance Fee | CASH_ADVANCE | $3.80 | Visa Cash withdrawal at a merchant using the CR (Credit) facility, another financial institution, or an overseas ATM withdrawal, or any ATM withdrawal from an S14 Visa Credit Card. |
| Late Payment Fee | LATE_PAYMENT | $10 | Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Police Bank loans and continuing credit accounts |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 10.76% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Direct Credits. Set regular payments like your pay sent straight to your account
- Direct Debits. Set up Direct Debits from this account
- ATM withdrawals. up to $1000
- Periodical Payments. Can set up Periodical Payments
- Bank@Post. Withdraw cash at any participating Australia Post outlets with Bank@POST™
- Verified by Visa. Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. As you make a purchase online, Border Bank assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details (date of birth, mother's maiden name, address details) so Border Bank can be sure the card isn't being used without your permission.
- Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participating merchants.
- Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discounts on retail as well as other exclusive offers
- Confirmation Of Payee
Who can apply
- residency status - Australian Residents
- min age - 18
- residency status - Australian Citizens
- natural person
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: 2026-07-29T00:55:44.876Z · Product ID: 911351e1-56ff-47b2-a31f-2e2730db41ef