Low Rate Visa Credit Card
A basic credit card for everyday banking
- Purchase rate
- 13.95%
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
Eligibility
- Minimum age — 18 years
- BankVic member
Constraints
- Minimum limit — $1,000.00
- Maximum limit — $10,000.00
More Information
Published by BankVic under the Consumer Data Right · Last updated 21 November 2025 · Product ID S15_VISA_CLASSIC_CREDIT_CA · View on CDR.gov.au · View Source Data (JSON)