--- title: "Low Rate Visa Credit Card — Australian Military Bank" description: "Credit & Charge Cards from Australian Military Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/australian-military-bank/products/e1f63c50-20bb-457a-8fee-da684c281a0a source: "CDR Compare" language: en-AU last_updated: 2026-08-24T06:24:18.337498Z --- # Low Rate Visa Credit Card — Australian Military Bank > Credit & Charge Cards from Australian Military Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards · AMB Bank Product ** With a low annual fee and a low ongoing interest rate for purchases, the Low Rate Visa Credit Card is the only credit card you'll ever need. Plus, with our competitive 12-month balance transfer rate, you can also transfer your outstanding balances from other credit or store cards to Australian Military Bank for 0.00% p.a (introductory rate). ## At a glance - **Purchase rate:** 11.99% - **Annual fee:** $49.00 ## Apply Applications are handled by the provider: [Apply at Australian Military Bank](https://ib.australianmilitarybank.com.au/AMBInternetBanking/?pd=AMBCC) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 1 year (Introductory balance transfer rate: 0.00% p.a. for 12 months) | 0% | — | — | | Purchase | 11.99% | — | — | | Cash advance | 19.99% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Foreign Currency Conversion fee | Transaction | 2.95% of transaction | | Overseas ATM withdrawals | Withdrawal | $4.50 | | Foreign Cheque encashment (>AU$5000) | Event | $50.00 | | Emergency replacement Visa card (within Australia) Bank processing fee — At cost plus $20 bank processing fee | Event | From $1.00 | | Foreign Cash — 1% of AUD value of amount purchased. Minimum order of AU$100 applies | Event | 1% of transaction | | Copies of statements (over 12 months) at branch or posted — per page | Event | $5.00 | | Cash advance at other financial institution | Withdrawal | $4.50 | | Default notice fee — Payable when a notice is issued regarding a default under the credit card contract | Event | $30.00 | | Overseas Visa card replacement Bank processing fee — At cost plus $20 bank processing fee | Event | From $1.00 | | Stopped bank cheque | Transaction | $15.00 | | EFT trace/recall of funds | Transaction | $25.00 | | Annual fee - credit card — Charged yearly | Ongoing | $49.00 | | Bank Cheque | Event | $5.00 | | Copies of statements (up to 12 months) at branch | Event | $2.50 | | Paper statement fee (per statement) — Charged monthly | Ongoing | $2.00 | | Periodical payment - insufficient funds rejection fee | Transaction | $5.00 | | Archive retrieval fee — A hourly fee applies plus any expenses incurred | Event | From $50.00 | | Foreign drafts | Transaction | $20.00 | | Telegraphic transfers (AUD) | Transaction | $35.00 | | Arrears notice fee — 2nd and subsequent reminders by letter or phone | Event | $20.00 | | Encashment of Foreign Cash — Minimum encashment of AU$50 applies | Event | $10.00 | | Telegraphic transfers (online) | Transaction | $20.00 | | Amendment/ cancellation of telegraphic transfer/swift transfers | Transaction | $35.00 | | Declined Visa dispute — If a Visa dispute lodged by you is declined and found that the claim was invalid | Event | $30.00 | | Telegraphic transfers (foreign currency) | Transaction | $30.00 | | Foreign Cheque encashment (