Personal Line of Credit

An IMB Personal Line of Credit works in conjunction with your everyday banking account, so you have the simplicity of managing one account with the added benefit of easy access to extra funds as you need them.

From: 13.85%; Variable

Apply at IMB Bank

Interest Rates

Type	Rate	Comparison	Applies To
Variable	13.85%	—	—

Fees

Fee	Type	Amount
Fees and charges apply to linked account IMB deposit account. Personal Credit Line facility must be linked to an IMB deposit account. Terms, conditions, fees and charges apply to the linked account. Please consider the PDS available from IMB in relation to IMB deposit products and facilities.	Other	$0.00

Features

Card access — IMB Visa Debit Card and Cashcard available: Visa Debit Card is not available to individuals under 15
Additional cards: Account holders may hold both a Visa Debit and Cashcard per eligible account
Digital banking: Internet Banking and Mobile Banking App.
PayID: Create a PayID through IMB’s Internet Banking or Mobile Banking App to receive Osko payments.
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
Bill payment (BPAY) — BPAY: BPAY® is an electronic bill payment service, providing a convenient access point for the payment and receipt of consumer bills.

Eligibility

Lending criteria, terms and conditions apply
Personal Credit Line must be linked to an IMB deposit account. Please consider the PDS available from IMB before making a decision about this product
You must have a good credit history and a monthly income.
Minimum age — 18 years

Constraints

Minimum limit — $500.00
Maximum limit — $20,000.00

More Information

Published by IMB Bank under the Consumer Data Right · Last updated 3 March 2026 · Product ID OD-2-1 · View on CDR.gov.au · View Source Data (JSON)