*In providing you with this information you should consider the appropriateness of this advice with regards to your particular financial situation and needs. You should consult the Product Disclosure Documents and Key Fact Sheet before making a decision to apply for products with Bank Australia.
Low Rate Visa Credit Card
Our lowest rate credit card comes with no late payment fees and a low annual fee.
Our low rate credit card rate
Finder Green Awards 2023
Green Bank of the Year
Green Bank of the Year
See more reviews
Variable interest rate
Effective 30 January 2025
Why us?
Be the changeWhat if a portion of your interest payments helped other people and the planet? When you bank with us, it does.
Card controlsManage your card's security and your spending by turning card features on or off, like payWave, in the app or internet banking.
24/7 monitoringWe work to keep your money safe with 24/7 fraud monitoring. If we spot something suspicious, we’re onto it fast.
Who it's for
- People aged 18+
- People living in Australia, either permanently or temporarily
- People with a regular source of income
Is this product right for you? Find out more
What you get
“Great service. They made applying for a credit simple and stress-free, thank you!.”
Review by Kate.
Our lowest interest rate credit card
Enjoy the lowest interest rate of any of our credit cards. This rate applies to both purchases and cash advances.
Lock your card
In the app or internet banking, place a temporary lock on your card the moment you think it might be lost or stolen, or you don't want it to be used.
Instant transfers
Pay off your credit card in a flash with instant transfers between your Bank Australia transaction account and this one.
Get instant card notifications
Set up notifications in the app or internet banking so you know when your card is being used. You can also set reminders for your card payments.
Balance transfers
We offer 0% for 6 months on balance transfers with our Low Rate Visa Credit Card.
Shop securely online
Add your Low Rate Visa Credit card to Visa Click to Pay for an easy, secure checkout experience.
Fees and charges
Here’s what to expect with our Low Rate Visa Credit Card:
- Annual fee: $59
- Cash advance: $3.50
- International transaction fee: 3% of the transaction value
It pays to know. Read the Product Disclosure Document and Key Fact Sheet to help you decide if this credit card is right for you. See Lending and Credit Card fees, charges and transaction limits.