---
title: "VISA CREDIT CARD — Horizon Bank"
description: "Credit & Charge Cards from Horizon Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/horizon-bank/products/S97_S970001
source: "CDR Compare"
language: en-AU
last_updated: 2025-10-23T15:35:57.000+11:00
---

# VISA CREDIT CARD — Horizon Bank

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

**Credit & Charge Cards · HORIZON BANK**

VISA CREDIT CARD

## At a glance

- **Purchase rate:** 12.95%

## Apply

Applications are handled by the provider: [Apply at Horizon Bank](https://forms.unpz.au/form?id=0e59f9ae8f4709bdb38e0606359b4f09:d46ce3a8-1726-4fd2-b451-23157ea36e6a)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Introductory · 5 months | 7.96% | — | — |
| Cash advance | 12.95% | — | — |
| Purchase | 12.95% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| STATEMENT_COPY | Event | $2.50 |
| VISA_CARD_CHARGE_BACK | Event | $29.00 |
| VISA_CARD_REPLACEMENT — Australia only | Event | $9.00 |
| VISA_CARD_REPLACEMENT_(EMERGENCY) | Event | $30.00 |
| VISA_CARD_VOUCHER_RETRIEVAL | Event | $24.00 |
| VISA_CREDIT_CARD_LATE_PAYMENT_FEE | Event | $10.00 |

## Features

- **Card access** — Visa Credit
- **Additional cards**
- **Interest-free period** (Up to 55 days interest free on purchases)
- **Digital wallet** — Apple Pay, Samsung Pay and Google Pay
- **Digital banking** (Internet Banking and Mobile Banking App.)
- **Real-time payments (NPP)** (This account type is enabled for Osko payments, via the New Payments Platform (NPP). Osko is the faster way to pay or receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can pay and be paid in a matter of seconds)
- **PayID** (Create a PayID through Horizon Bank s Internet Banking or Mobile Banking App to receive Osko payments with a unique identifier, such as your mobile number or email address, enabling you to receive and send money securely without the need to remember complex banking details.)
- **Bill payment (BPAY)** — BPAY (BPAY is an electronic bill payment service, providing a convenient access point for the payment and receipt of consumer bills.)
- **Manage payments from your bank account using PayTo.**
- **Low Special Rate for the first 5 months**

## Eligibility

- **Minimum age** — 18 years

## Constraints

- **Minimum limit** — $500.00
- **Minimum balance** — $30,000.00

## More information from Horizon Bank

- [Overview](https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/)
- [Terms & conditions](https://horizonbank.com.au/more/important-info/disclosure-documents/)
- [Eligibility](https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/)
- [Fees & pricing](https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/)

## Data provenance

- Published by Horizon Bank under the Consumer Data Right
- Product ID: `S97_S970001`
- Last updated by the provider: 23 October 2025
- Source payload (JSON): https://www.cdrcompare.au/api/raw/horizon-bank/S97_S970001
- Provider page: https://www.cdrcompare.au/brands/horizon-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000211

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/horizon-bank/products/S97_S970001) — 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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