Low Rate Credit Card
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.
- Purchase rate
- 11.99%
- Annual fee
- $59.00
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)
Eligibility
- Minimum age — 18 years
- Individuals only
- Lending criteria applies.
- Membership: You must be or become a Beyond Bank Australia member
- Residency status — Australian CitizenMust 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
Published by Beyond Bank Australia under the Consumer Data Right · Last updated 8 January 2026 · Product ID 11 · View on CDR.gov.au · View Source Data (JSON)