---
title: "Low Rate Visa Credit Card — Bank Australia"
description: "Credit & Charge Cards from Bank Australia. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-australia/products/a3e1054a-73da-469f-863e-0f3418967627
source: "CDR Compare"
language: en-AU
last_updated: 2026-04-10T05:29:19.363Z
---

# Low Rate Visa Credit Card — Bank Australia

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

**Credit & Charge Cards**

A lower interest rate to reduce your borrowing costs. Great for those who have a carryover balance each month.

## At a glance

- **Purchase rate:** 12.99%
- **Annual fee:** $0.00

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Balance transfer (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. ) | 0% | — | — |
| Cash advance (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. ) | 12.99% | — | — |
| Purchase (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. ) | 12.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Cash Advance Fee - Domestic — A fee charged to any cash advance within Australia through all channels. | Cash advance | $3.50 |
| Cash Advance Fee - Overseas — Applies to any cash advance made outside Australia, plus the International Transaction Fee (ITF) | Cash advance | $3.50 |
| Visa emergency card/cash overseas fee — A fee charged when you need an emergency replacement card or cash delivered to you on an urgent basis to an address overseas. | Replacement | USD 175.00 |
| International transaction fee (ITF) — 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. | Transaction | 3% of transaction |
| Annual Fee - Low Rate Credit Card — Charged yearly · An annual fee charged on your credit card. | Ongoing | $0.00 |
| Additional Cardholder Fee — Applies for 1 year · You can request that we allow someone else to have a card on your account at no charge | Event | $0.00 |

## Features

- **Balance transfers** (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.)
- **Card access** — Visa Credit Card (Use instore, online and withdraw local currency at millions of locations, everywhere Visa is accepted. Cards are enabled to support diverse needs with raised bumps on the left hand-side on the front face of the card.)
- **Digital banking** (You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking.)
- **Digital wallet** — Google, Samsung and Apple Pay available (Leave your wallet behind and pay for the things you need with Google Pay/ Samsung Pay/ Apple Pay.)
- **Notifications** — Card and Account Notifications (Notifications can be enabled in the App or through Internet Banking, allowing you to be alerted either by email, sms or through the App about your card/account activity.)
- **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.**

## Eligibility

- **Minimum age** — 18 years
- **Individuals only** (Natural Person or In trust for a Natural Person or Non-Individual entity)
- **Each application for credit is subject to our normal lending criteria and approval.**
- **Residency status** — AU (Available to citizens or permanent resident of Australia and valid Visa holders. Make sure you are currently in receipt of a regular income.)

## Constraints

- **Minimum limit** — $1,000.00 (Minimum Credit Limit of $1000 is required)

## More information from Bank Australia

- [Overview](https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/)
- [Terms & conditions](https://www.bankaust.com.au/support/disclosures)
- [Fees & pricing](https://www.bankaust.com.au/support/disclosures)

## Data provenance

- Published by Bank Australia under the Consumer Data Right
- Product ID: `a3e1054a-73da-469f-863e-0f3418967627`
- Last updated by the provider: 10 April 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-australia/a3e1054a-73da-469f-863e-0f3418967627
- Provider page: https://www.cdrcompare.au/brands/bank-australia
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000150

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-australia/products/a3e1054a-73da-469f-863e-0f3418967627) — 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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