---
title: "LOW RATE VISA CREDIT CARD — Auswide Bank Ltd"
description: "Credit & Charge Cards from Auswide Bank Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/auswide-bank-ltd/products/02ef924b-4492-49bf-b248-5571909c10c1
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-24T16:11:08.000+10:00
---

# LOW RATE VISA CREDIT CARD — Auswide Bank Ltd

> Credit & Charge Cards from Auswide Bank Ltd. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards · A-Auswide Bank**

A low rate credit card

## At a glance

- **Purchase rate:** 9.74%
- **Annual fee:** $50.00

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Balance transfer | 0% | — | — |
| Cash advance | 9.74% | — | — |
| Purchase | 9.74% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| ANNUAL_FEE — Charged yearly · Debited to your account on the day your credit card facility is activated and annually on anniversary · Discount −100% of fee — Under 25's · Discount −100% of fee — Shareholder of Auswide Bank (eligibility: Other: Must provide Holder Identification Number) · Discount −100% of fee — Hold an Auswide Bank Mortgage (eligibility: Other: Must hold Auswide Bank mortgage) | Ongoing | $50.00 |
| ATM_DIRECT_CHARGE_FEE — Direct charge fee is levied by the ATM owner. May be payable to the ATM owner when using your card to withdraw or check your balance at a non-Auswide Bank ATM network ATM. | Cash advance | Variable |
| CASH_ADVANCE — This fee is charged for making a cash advance, cash transfer or cash equivalent debit from your account | Transaction | $3.50 |
| FOREIGN_ATM_WITHDRAWAL_FEE — Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account | Withdrawal | $5.00 |
| CURRENCY_CONVERSION_FEE — Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM | Transaction | 3% of transaction |
| EMERGENCY_CARD/EMERGENCY_CASH_DISBURSEMENT_FEE — Unascertainable - as quoted by Visa Global Customer Assistance Service. | Cash advance | Variable |
| LATE_PAYMENT_FEE — Payable where there is an amount overdue for payment past its due date | Event | $20.00 |
| DISHONOUR_FEE_-_DIRECT_DEBIT_AND_EXTERNAL_PAYMENT — Charged per rejection. Payable when you've arranged a direct debit payment or external payment to an account at another financial institution but there are insufficient clear funds in your account | Event | $15.00 |
| RTGS_OUTWARD_PAYMENT_FEE — Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for    same day    payment | Transaction | $20.00 |

## Features

- **Additional cards**
- **Balance transfers**
- **Interest-free period** — 55 days
- **Digital banking**
- **Real-time payments (NPP)**
- **PayID**

## Eligibility

- **Individuals only** (Available for personal use)
- **Minimum age** — 18 years

## Constraints

- **Minimum limit** — $500.00
- **Maximum limit** — $50,000.00

## More information from Auswide Bank Ltd

- [Overview](https://auswidebank.com.au/banking/credit-cards/low-rate-visa-credit-card/)
- [Terms & conditions](https://auswidebank.com.au/help/resources/terms-and-conditions/)
- [Eligibility](https://auswidebank.com.au/help/resources/terms-and-conditions/)
- [Fees & pricing](https://auswidebank.com.au/help/resources/fees-and-charges/)

## Data provenance

- Published by Auswide Bank Ltd under the Consumer Data Right
- Product ID: `02ef924b-4492-49bf-b248-5571909c10c1`
- Last updated by the provider: 24 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/auswide-bank-ltd/02ef924b-4492-49bf-b248-5571909c10c1
- Provider page: https://www.cdrcompare.au/brands/auswide-bank-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000144

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/auswide-bank-ltd/products/02ef924b-4492-49bf-b248-5571909c10c1) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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