---
title: "Visa Credit Card — SWSbank"
description: "Credit & Charge Cards from SWSbank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/swsbank/products/S3_VC
source: "CDR Compare"
language: en-AU
last_updated: 2025-09-15T11:05:37.000+10:00
---

# Visa Credit Card — SWSbank

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

**Credit & Charge Cards · South West Slopes Credit Union Ltd trading as SWSbank**

Visa Credit Card

## At a glance

- **Purchase rate:** 13.45%
- **Annual fee:** $30.00

## Apply

Applications are handled by the provider: [Apply at SWSbank](https://swscu.apply-online.com.au/#/b7f0c6a4-2f6a-49c2-9912-3f8eb4a40b5a)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Cash advance | 13.45% | — | — |
| Purchase | 13.45% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0% | — | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| OVERLIMIT_FEE — Visa Credit Card is over approved credit limit | Event | $30.00 |
| VISA_CREDIT_CARD_ANNUAL_FEE — Charged every 12 years · Visa Credit Card annual fee | Ongoing | $30.00 |
| VISA_CARD_FEE | Event | $15.00 |

## Features

- **Card access** — Accepted worldwide wherever visa is accepted
- **Balance transfers**
- **Notifications** — Monthly statements
- **Digital banking**
- **Digital wallet** — Apple Pay, Google Pay and Samsung Pay
- **PayID** (Simply use your mobile, email or ABN to receive payments)
- **Minimum monthly repayment - 3% of the account balance last day of statement or $20, whichever is greater**
- **Unlimited transactions** (There is no limit to the number of Visa transaction you make)
- **Up to 55 days interest free period**

## Eligibility

- **Minimum age** — 18 years
- **Individuals only**
- **Residency status** — Australian citizen or permanent resident
- **Business customers**

## Constraints

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

## More information from SWSbank

- [Overview](https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/)
- [Terms & conditions](https://www.swsbank.com.au/help-support/important-information/disclosure-documents/)
- [Fees & pricing](https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/)

## Data provenance

- Published by SWSbank under the Consumer Data Right
- Product ID: `S3_VC`
- Last updated by the provider: 15 September 2025
- Source payload (JSON): https://www.cdrcompare.au/api/raw/swsbank/S3_VC
- Provider page: https://www.cdrcompare.au/brands/swsbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000185

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/swsbank/products/S3_VC) — 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.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)