--- title: "Credit Card — Border Bank" description: "Credit & Charge Cards from Border Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/border-bank/products/911351e1-56ff-47b2-a31f-2e2730db41ef source: "CDR Compare" language: en-AU last_updated: 2026-07-29T00:55:44.876Z --- # Credit Card — Border Bank > Credit & Charge Cards from Border Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** A Low Rate and low Annual Fee Credit card ## At a glance - **Purchase rate:** 10.76% - **Annual fee:** $30.00 ## Apply Applications are handled by the provider: [Apply at Border Bank](https://www.borderbank.com.au/forms/visa-cards) ## 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. | Event | $21.50 | | Additional Statement Fee — $5.00 for Archive Retrieval and $1.50 per page. | Event | $5.00 | | Overdrawn Account Fee — Payable when you exceed your credit limit by $75 or more within a calendar month. Interest will also be charged on any amount overdrawn in excess of the approved credit limit at the then current annual percentage rate. | Event | $15.00 | | Visa Overseas Emergency Fee — Payable when you request an emergency replacement Visa Card or emergency cash advance overseas. | Event | $175.00 | | External Electronic Periodical Payments — Per transaction that you request Border Bank staff to set up on your behalf. | Transaction | $1.00 | | Bank Cheque — At Cost | Event | $0.00 | | Bank Draft — Per Draft | Event | $15.00 | | Visa Voucher Request — Payable per Visa voucher requested. | Event | $16.50 | | Counter Cash withdrawal $25,000 and over — Per Withdrawal | Withdrawal | $50.00 | | ATM Balance Enquiry fee — At Cost | Event | $0.00 | | ATM Overseas withdrawal — Visa Cash withdrawal at a merchant using the CR (Credit) facility, another financial institution, or an overseas ATM withdrawal, or any ATM withdrawal from an S14 Visa Credit Card. | Withdrawal | $3.80 | | Dormant Accounts fee — After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees and government charges are not classed as transactions. | Event | $10.00 | | Document Retrieval Fee — Minimum $22.77 per hour retrieval fee and minimum $30.00 per hour administrative fee. | Event | $0.00 | | Counter Cash withdrawal fee up to $24,999 — Per Withdrawal | Withdrawal | $2.00 | | Visa Cash Advance Fee — Visa Cash withdrawal at a merchant using the CR (Credit) facility, another financial institution, or an overseas ATM withdrawal, or any ATM withdrawal from an S14 Visa Credit Card. | Cash advance | $3.80 | | Late Payment Fee — Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Police Bank loans and continuing credit accounts | Late payment | $10.00 | ## 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** (Email Address. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.) - **Bank@Post. Withdraw cash at any participating Australia Post outlets with Bank@POST™** - **Verified by Visa. Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. As you make a purchase online, Border Bank assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details (date of birth, mother's maiden name, address details) so Border Bank can be sure the card isn't being used without your permission.** - **Digital wallet** — Apple Pay (Pay with your Border Bank Visa Debit Cards using Apple Pay) - **Digital banking** (Internet Banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere using our online with Internet Banking – service is free.) - **Card access** — Credit Card (Can be used at over 29 million Visa outlets in over 250 countries around the world) - **PayID** (Mobile Number. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.) - **Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participating merchants.** - **Digital wallet** — Samsung Pay (Pay with your Border Bank Visa Debit Cards using Samsung Pay) - **Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discounts on retail as well as other exclusive offers** - **Confirmation Of Payee** ## Eligibility - **Residency status** — Australian Residents - **Minimum age** — 18 years - **Residency status** — Australian Citizens - **Individuals only** ## More information from Border Bank - [Overview](https://www.borderbank.com.au/forms/visa-cards) - [Terms & conditions](https://www.borderbank.com.au/important-documents) - [Eligibility](https://cdn.mediavalet.com/aunsw/policebank/sl2Q0glwkkCpaB8QctkHKQ/cLTjPjLfZkaWyZuNI_lhjg/Original/BBS14_Credit-Card-TMD.pdf) - [Fees & pricing](https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf) ## Data provenance - Published by Border Bank under the Consumer Data Right - Product ID: `911351e1-56ff-47b2-a31f-2e2730db41ef` - Last updated by the provider: 29 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/border-bank/911351e1-56ff-47b2-a31f-2e2730db41ef - Provider page: https://www.cdrcompare.au/brands/border-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000392 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/border-bank/products/911351e1-56ff-47b2-a31f-2e2730db41ef) — product data published by Australian data holders under the Consumer Data Right. 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