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Visa Credit Card

Here's a Visa Credit Card with a competitive rate, no annual fee and up to 55 days interest free.

Interest rate
12.39% p.a.

effective 5 August 2016

More rates and fees
Rates
Credit Card Interest Rate
Variable 12.39% p.a.
Fees and Charges
Cash advance $3.50
Fees, charges & transaction limits
Loan rates
Loan fees
Credit card & overdraft accounts table
Key facts sheet

Why choose the Visa Credit Card?

  • no annual fee
  • Visa Checkout for safe online shopping
  • 24/7 fraud monitoring
  • instant transfers between your Bank Australia savings account and credit card
  • access to Apple Pay and Google Pay
  • manage the way you transact with card controls
  • place a temporary lock on your card the moment you think it might be lost or stolen
  • create custom notifications to monitor your card activity.

Apply for a credit card today

What will your credit card repayments be?

Calculate your monthly credit card repayments for different amounts, interest rates and fees.

Frequently asked questions

What are the Credit Card changes from 1 Jan 2019 to interest free periods?

The Australian Government is introducing new rules from 1 January 2019, designed to help credit card holders better manage their credit card.

The changes described in the following FAQs will be automatically applied to credit cards from 1 January 2019.

Simplifying how we calculate interest free days

Under the terms of the credit card contract, cardholders are eligible for interest free days provided they:

  • pay the closing balance stated on that statement of account in full by the due date; and
  • paid the closing balance stated on their previous statement of account in full by its due date.

If they do not meet these conditions, you will not be eligible for any interest free days and are charged interest on any outstanding balance from the transaction date.

From 1 January 2019, although interest will still be charged on the outstanding balance if you are not eligible for interest free days, interest will apply from the day after the statement of account due date. This means you may pay less interest than now.

What are the online options to lower my credit card limit?

While you have always been able to reduce your credit limit at any time, from 1 January 2019 you will be able to do this online through internet banking or via the Bank Australia app. Find out more about card controls.

Register for internet banking here.

What are the online options to close my credit card account?

While you have always been able to cancel your credit card at any time, from 1 January 2019 you will be able to do this online through internet banking or via the Bank Australia app. Find out more about card controls.

Register for internet banking here.

The fine print

* 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.

Rates apply to new applications received from 13/05/16 however are subject to change at anytime.

All Bank Australia VISA debit and credit cards are automatically registered for Verified by VISA. The service is free of charge. To view the Verified by VISA Terms and Conditions brochure, click here.

Managing my money
19 Sep 2018

Managing my money
1 Aug 2018

Managing my money
30 Jul 2018

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