---
title: "Credit Card — Health Professionals Bank"
description: "Credit & Charge Cards from Health Professionals Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/health-professionals-bank/products/a6b1d3e9-de46-421f-a05e-84e40d3238d9
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T08:20:03.000+10:00
---

# Credit Card — Health Professionals Bank

> Credit & Charge Cards from Health Professionals Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

Use your credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.

## At a glance

- **Purchase rate:** 11.5%

## Apply

Applications are handled by the provider: [Apply at Health Professionals Bank](https://www.hpbank.com.au/banking/credit-card)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Introductory · 6 months (Introductory interest rate applies to balance transfer and purchase transactions for the first 6 months from the date of the Letter of Offer.) | 7.9% | — | — |
| Balance transfer | 7.9% | — | Promotional Period 1–6 months |
| Purchase (Purchase interest rate applies to the amount of any transaction with a merchant made on a credit card account.) | 11.5% | — | — |
| Cash advance (Cash advance interest rate applies to the amount of cash or its equivalent that is withdrawn or transacted from a credit card account.) | 11.5% | — | — |
| Balance transfer | 11.5% | — | Standard 7+ months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| LATE_PAYMENT_FEE — Payable by debit to your account when the minimum payment on a Credit Card account is not received by the due date. Charged once per statement period. | Late payment | $10.00 |
| CARD_REPLACEMENT_FEE — Payable when you request a replacement card. | Event | $10.00 |
| ATM_WITHDRAWALS_OVERSEAS | Transaction | $4.00 |
| INTERNATIONAL_CONVERSION_FEE — 2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.) | Transaction | 2.9% of transaction |
| CASH_ADVANCES_FEE — Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost). | Cash advance | $4.00 |
| DEFAULT_NOTICE_FEE — Payable when we send you a default notice asking you to remedy a default under your credit contract. | Event | $25.00 |

## Features

- **Special Introductory Rate for first 6 months.**
- **Interest-free period** — 55 days (You may receive up to 55 days interest free period for purchases provided you continue to pay your closing balance in full on or before every statement due date.)
- **Balance transfers**
- **No application fee**
- **No annual fee**
- **Card access** — Visa Credit with payWave
- **Additional cards**
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Digital banking**
- **Bill payment (BPAY)** — BPAY
- **Notifications** — Track payments with SMS and email alerts

## Eligibility

- **You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.**
- **Residency status** — Individuals must be citizens or permanent residents of Australia.
- **All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or from any of our offices.**
- **Minimum age** — 18 years

## Constraints

- **Minimum limit** — $1,000.00
- **Maximum limit** — $25,000.00

## More information from Health Professionals Bank

- [Overview](https://www.hpbank.com.au/banking/credit-card)
- [Terms & conditions](https://www.hpbank.com.au/content/dam/documents/collateral/consumer-lending.pdf)
- [Eligibility](https://www.hpbank.com.au/banking/credit-card)
- [Fees & pricing](https://www.hpbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf)

## Data provenance

- Published by Health Professionals Bank under the Consumer Data Right
- Product ID: `a6b1d3e9-de46-421f-a05e-84e40d3238d9`
- Last updated by the provider: 27 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/health-professionals-bank/a6b1d3e9-de46-421f-a05e-84e40d3238d9
- Provider page: https://www.cdrcompare.au/brands/health-professionals-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000147

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/health-professionals-bank/products/a6b1d3e9-de46-421f-a05e-84e40d3238d9) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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