Low Rate Visa Credit Card

Our lowest rate credit card comes with no late payment fees and no annual fee.

Apply now

Our low rate credit card rate

Finder's Green Bank of the Year 2024

We're proud to be recognised as Finder's green bank of the year

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12.99 % p.a.

Variable interest rate

Effective 1 December 2025

$1,000 minimum credit limit
Annual fee $0
Terms and conditions apply.

Why us?

Be the change
What if a portion of your interest payments helped other people and the planet? When you bank with us, it does.
Card controls
Manage your card's security and your spending by turning card features on or off, like payWave, in the app or internet banking.
24/7 monitoring
We 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.

See more on Productreview.com.au

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.

Start your application now

Apply for a credit card. All you need is your driver's licence or passport, and your Medicare card, to get started.

Apply now

Fees and charges

Here’s what to expect with our Low Rate Visa Credit Card:

Annual fee: $0
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.

Money, People & Planet

Impact

How Bank Australia supports people with disability

To mark International Day of People with Disability, we’re reflecting on some of the ways that Bank Australia is working to improve accessibility and inclusion across our banking, our partnerships and our impact.

News

Conservation collaboration set to protect Wimmera’s unique wildlife

Threatened wildlife like the critically endangered South-east Red-tailed Black-cockatoo have a bright future thanks to a renewed conservation partnership with Bank Australia in the Wimmera.

Money

AI scams are on the rise – here’s how to stay safe

Between fraudulent websites, “AI-powered” investment scams and deepfakes, artificial intelligence is making scams more convincing than ever. A Bank Australia fraud expert explains what to watch out for, and how to keep yourself safe.

See more at the Bank Australia blog

Important information

General advice

Information provided is of a general nature only. 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 below and Target Market Determination before making a decision to apply for products with Bank Australia.

Terms, conditions, fees and charges may be applicable as outlined below.

Loans or credit subject to normal lending criteria and approval.

Product disclosure documents

If you wish to change cards, see Switching credit cards terms and conditions.