--- title: "Low Rate Credit Card — Beyond Bank Australia" description: "Credit & Charge Cards from Beyond Bank Australia. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/beyond-bank-australia/products/11 source: "CDR Compare" language: en-AU last_updated: 2026-01-08T08:00:31.1339956Z --- # Low Rate Credit Card — Beyond Bank Australia > Credit & Charge Cards from Beyond 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** Enjoy the benefits of our Low Rate Credit Card and receive up to 62 days interest free days on purchases or take advantage of our balance transfer offer. ## At a glance - **Purchase rate:** 11.99% - **Annual fee:** $59.00 ## Apply Applications are handled by the provider: [Apply at Beyond Bank Australia](https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Balance transfer (For a limited time, this offer is available on balance transfers for a 12 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit or store cards not issued by Beyond Bank. A minimum transfer amount of $500 is required, and the offer must be requested within one month of your credit card being funded. After the 12-month promotional period, any remaining balance will revert to the variable interest rate for Purchases applicable at that time. Conditions apply.) | 0% | — | — | | Balance transfer (For a limited time, this discounted rate is available on balance transfers for a 6 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit or store cards not issued by Beyond Bank. A minimum transfer amount of $500 is required, and the offer must be requested within one month of your credit card being funded. After the 6-month period, any remaining balance will revert to the variable interest rate for Purchases applicable at that time. Conditions apply.) | 4.99% | — | — | | Cash advance | 11.99% | — | — | | Purchase (Up to 62 interest free days available on purchases. Conditions apply.) | 11.99% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Declined Withdrawal Fee | Transaction | $0.40 | | Bank@Post Deposit Fee | Transaction | $2.00 | | Bank@Post Withdrawal Fee | Transaction | $4.00 | | Cash Advance Fee | Transaction | $4.00 | | Default Notice Fee | Event | $20.00 | | Annual Card Fee — Charged yearly · This fee is payable at the end of the month in which your account is opened and every 12 months thereafter. | Ongoing | $59.00 | ## Features - **Additional cards** — up to 4 (Up to 4 additional card holders) - **Bill payment (BPAY)** (BPAY available.) - **Card access** — Visa Credit Card available - **Discounts on other products** — The Annual Card Fee will be waived for eligible Total Home Loan Package borrowers. Conditions apply. - **Digital banking** (Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services) - **Digital wallet** — Mobile Wallet (Load your Beyond Bank Visa Credit card to your phone to make fast and easy transactions) - **Real-time payments (NPP)** (New Payments Platform (NPP) available. Allows you to send and receive money instantly between eligible accounts with your PayID.) - **PayID** (New Payments Platform (NPP) is available. Use your mobile number or email as your PayID to send and receive money instantly between eligible accounts.) - **AutoPay: you can choose to automatically pay a set amount, the minimum monthly payment or the total balance every month.** - **Balance transfers** (12 or 6 months Balance Transfers options are available on newly approved Low Rate Credit Cards. Conditions apply.) - **Interest-free period** — 62 days (Receive up to 62 interest free days available on purchases. Conditions apply.) - **Interest-free transfers** — 12 months (Balance Transfer: 0% on balance transfers for 12 months. Limited offer. Conditions apply.) ## Eligibility - **Minimum age** — 18 years - **Individuals only** - **Lending criteria applies.** - **Membership: You must be or become a Beyond Bank Australia member** - **Residency status** — Australian Citizen (Must be an Australian citizen, Permanent Australian resident or hold a Visa - if a Visa holders' income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan. An Australian resident is a person who is living in Australia and is an Australian citizen, a permanent visa holder, or a protected Special Category visa (SCV) holder.) ## Constraints - **Maximum limit** — $80,000.00 - **Minimum limit** — $1,000.00 ## More information from Beyond Bank Australia - [Overview](https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/) - [Terms & conditions](https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/) - [Eligibility](https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/) - [Fees & pricing](https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/) ## Data provenance - Published by Beyond Bank Australia under the Consumer Data Right - Product ID: `11` - Last updated by the provider: 8 January 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/beyond-bank-australia/11 - Provider page: https://www.cdrcompare.au/brands/beyond-bank-australia - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000054 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/beyond-bank-australia/products/11) — product data published by Australian data holders under the Consumer Data Right. 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