---
title: "Low Rate Visa Credit Card — BankVic"
description: "Credit & Charge Cards from BankVic. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bankvic/products/S15_VISA_CLASSIC_CREDIT_CA
source: "CDR Compare"
language: en-AU
last_updated: 2025-11-21T14:27:08.000+11:00
---

# Low Rate Visa Credit Card — BankVic

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

**Credit & Charge Cards · Negotiable rates**

A basic credit card for everyday banking

## At a glance

- **Purchase rate:** 13.95%

## Apply

Applications are handled by the provider: [Apply at BankVic](https://www.bankvic.com.au/apply-for-credit)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Introductory · 6 months (6 month introductory rate for 8.99% for Non) | 4.96% | — | — |
| Cash advance (6 month introductory rate for 8.99% for Non) | 13.95% | — | — |
| Purchase (6 month introductory rate for 8.99% for Non) | 13.95% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| CARD_REPLACEMENT_FEE — There is a $10 replacement fee for members ordering a replacement card except if it is a faulty card, the card has worn out prematurely or the member is going on holidays at the time of renewal. | Event | $10.00 |
| DISPUTED_CARD_TRANSACTION_FEE — Disputed transactions - fee not charged if found to be merchant error | Event | $25.00 |
| LATE_PAYMENT_FEE | Event | $15.00 |
| INTERNATIONAL_TRANSACTION_CURRENCY_CONVERSION_FEE — International transaction currency conversion fee | Withdrawal | 3.65% of transaction (D) |
| SILVER_CREDIT_CARD_ANNUAL_FEE | Event | $0.00 |
| EMERGENCY_OVERSEAS_CARD_REPLACEMENT_FEE | Upfront | $175.00 |
| EMERGENCY_OVERSEAS_CASH_FEE | Upfront | $175.00 |

## Features

- **Card access** — Silver Visa Credit Card
- **Additional cards** — Silver Visa Credit Card (1)
- **Interest-free period** — 44 days (Up to 44 days interest free on purchases)
- **Digital wallet** — Apple Pay (Add your BankVic Visa credit card to a compatible device and pay securely with Apple Pay*TM)
- **PayID**
- **Digital wallet** — Google Pay (Add your BankVic Visa credit card to a compatible device and pay securely with Google Pay* TM)
- **Digital wallet** — FitBit Pay (Add your BankVic Visa credit card to a compatible device and pay securely with FitBit Pay* TM)
- **Digital wallet** — Garmin Pay (Add your BankVic Visa credit card to a compatible device and pay securely with Garmin Pay* TM)
- **Digital wallet** — Samsung Pay (Add your BankVic Visa credit card to a compatible device and pay securely with Samsung Pay* TM)
- **Balance transfers**
- **Fraud protection**
- **Minimum repayments : 2.5% of the statement closing balance outstanding, or $20; whichever is greater. If the closing balance is less than $20, it must be paid in full.**

## Eligibility

- **Minimum age** — 18 years
- **BankVic member**

## Constraints

- **Minimum limit** — $1,000.00
- **Maximum limit** — $10,000.00

## More information from BankVic

- [Overview](https://www.bankvic.com.au/banking/?filter=Credit-Card)
- [Terms & conditions](https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions)
- [Eligibility](https://www.bankvic.com.au/banking/?filter=Credit-Card)
- [Fees & pricing](https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges)

## Data provenance

- Published by BankVic under the Consumer Data Right
- Product ID: `S15_VISA_CLASSIC_CREDIT_CA`
- Last updated by the provider: 21 November 2025
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bankvic/S15_VISA_CLASSIC_CREDIT_CA
- Provider page: https://www.cdrcompare.au/brands/bankvic
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000184

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bankvic/products/S15_VISA_CLASSIC_CREDIT_CA) — 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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