Credit Card
A Low Rate and low Annual Fee Credit card
- Purchase rate
- 10.76%
- Annual fee
- $30.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase | 10.76% | — | — |
| Cash advance | 10.76% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Replacement Card Fee Payable for any second or subsequent request for the replacement of a Visa Card | Event | $10.00 |
| Visa International Fees Payable if and when you use the Visa Card overseas and the transaction is in a foreign currency. All overseas transactions are converted to Australian dollars and are subject to this fee as a percentage of the value of the transaction. A proportion of the fee may be retained by Border Bank. The amount of this conversion fee is subject to change from time to time and we will advise you in advance. | Transaction | 3% of transaction |
| Bank@Post Cash Withdrawal fee Includes; cash withdrawals, declined Bank@Post transactions including incorrect PIN entered, insufficient funds and exceeding withdrawal limits | Withdrawal | $2.00 |
| Visa Credit Card Annual Fee Charged yearly | Ongoing | $30.00 |
| Third Party Costs At Cost. Any costs charged to us from a third party will be passed on to you. Information on these costs is available on request. | Event | $0.00 |
| Default Notice Fee Payable if and when we send you a default notice for an overdrawn account where an arrears remains unremedied after we have sent you an arrears letter. |
Features
- Direct Credits. Set regular payments like your pay sent straight to your account
- Real-time payments (NPP)
- Yes
- Digital wallet — Google Pay
- Pay with your Border Bank Visa Debit Cards using Google Pay
- Direct Debits. Set up Direct Debits from this account
- Interest-free period — 55 days
- ATM withdrawals. up to $1000
- Periodical Payments. Can set up Periodical Payments
- PayID
Eligibility
- Residency status — Australian Residents
- Minimum age — 18 years
- Residency status — Australian Citizens
- Individuals only
More Information
Published by Border Bank under the Consumer Data Right · Last updated 21 May 2026 · Product ID 911351e1-56ff-47b2-a31f-2e2730db41ef · View on CDR.gov.au