Low Rate Visa Credit Card
A lower interest rate to reduce your borrowing costs. Great for those who have a carryover balance each month.
- 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 |
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.
Eligibility
- Minimum age — 18 years
- Individuals onlyNatural 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 — AUAvailable 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 — $1,000.00Minimum Credit Limit of $1000 is required
More Information
Published by Bank Australia under the Consumer Data Right · Last updated 10 April 2026 · Product ID a3e1054a-73da-469f-863e-0f3418967627 · View on CDR.gov.au · View Source Data (JSON)