Visa Credit Card card image

Police Bank Visa Credit Card

Advertiser disclosure
Purchase rate
10.76% p.a.
Balance transfer rate
No current offer
Annual fees
$30 $0 in the first year
Interest free days on purchases
55

Mozo editorial review Police Bank Visa Credit Card - last updated: 13 October 2020

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What's hot
  • 10.76% purchase rate
  • No annual fee for first year
What's not
  • $10 late payment fee, but even this is low compared to other banks
Mozo snapshot

Looking for one of Australia's most budget-friendly pieces of plastic? Look no further than Police Bank's Visa Credit Card. With a low 10.76% purchase rate and no annual fee in the first year ($30 afterwards), you'll be able to save money on fees as well as interest.

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Key features

What's great about the Police Bank Visa Card is that you don't even have to be in the police service to get the benefits of its low rate credit card, it is available to all Australian residents.

You will get up to 55 days interest free on new purchases (as long as you pay your balance off in full each month) or you will pay 10.76%. This interest rate also applies to cash advances but unlike purchases cash advances will start accruing interest immediately so it is best to avoid these if you can.

With Visa access, you can shop online or in person around the world wherever Visa cards are accepted. International purchases however will attract a 3% foreign exchange margin so be sure to factor that into any online shopping budget. For purchases under $100 you can use the Visa payWave feature of the card and just tap and go!

Be sure to automate your payments or you could find that you will be up for a $10 late payment fee.

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Who is it good for

Australians looking for a credit card with a relatively low interest rate and a low annual fee.

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Any catches

Branch locations are limited but this shouldn't put you off. The account comes with internet banking and telephone banking access for easy account management. 

Details

Rates and fees information correct as at 29 March 2024 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

10.76% p.a.

none

No current offer

no

10.76% p.a.

55

Fees

$30.00

$0 in the first year

none

none

$10.00

$3.80

3.00%

$5.00

$16.50

$0.00

Features

$5.00

2.5

1

none

Payment options

Apple Pay, Google Wallet, Samsung Pay

Customer Reviews

How are Police Bank credit cards rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

Latest reviews of Police Bank Visa Credit Card

About Police Bank

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Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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American Express

Platinum Edge Credit Card

23.99% p.a.

No current offer

$195 $0 in the first year

Membership Rewards

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G&C Mutual Bank

Platinum Visa Credit Card

19.99% p.a.

No current offer

$299

Qantas Frequent Flyer

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American Express

Qantas Ultimate Card

23.99% p.a.

No current offer

$450

Qantas Frequent Flyer

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American Express

Explorer Credit Card

23.99% p.a.

No current offer

$395

Membership Rewards

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American Express

Velocity Platinum Card

23.99% p.a.

No current offer

$375

Velocity Frequent Flyer

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American Express

Qantas Discovery Card

23.99% p.a.

No current offer

$0

Qantas Frequent Flyer

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American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

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American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points up to 100,000 points/year, then
1 point uncapped

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G&C Mutual Bank

Platinum Visa Credit Card

Qantas Frequent Flyer

$299

50,000

1 point up to 20,000 points/month

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NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250 $150 in the first year

70,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

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American Express

Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

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NAB

Rewards Signature Card

NAB Rewards

$295 $145 in the first year

160,000

1.25 points uncapped

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American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

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NAB

Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

120,000

1 point up to $5,000/month, then
0.5 points up to $20,000/month

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NAB

Low Rate Card

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

13.49% p.a.

$59 $0 in the first year

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Citi

Premier Credit Card

0% p.a. for 6 months and then 22.24% p.a.

21.49% p.a.

$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

Citi Rewards Program

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Bank of Queensland

Blue Visa Credit Card

0% p.a. for 9 months and then 21.74% p.a.

0% p.a. for 9 months then 20.74% p.a.

$60

Q Rewards

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Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 24 months and then 20.99% p.a.

20.74% p.a.

$149 $0 in the first year

Velocity Frequent Flyer

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Bankwest

More Mastercard

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$100

Bankwest More Rewards

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NAB

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

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HSBC

Low Rate Credit Card

12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

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Australian Unity

Low Rate Visa Credit Card

9.90% p.a.

No current offer

$59

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MOVE Bank

Low Rate Credit Card

8.99% p.a.

0% p.a. for 6 months and then 8.99% p.a.

$59 $0 in the first year

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Australian Unity

Low Rate Visa Credit Card

9.90% p.a.

No current offer

$59

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Low Rate Credit Card

8.99% p.a.

0% p.a. for 6 months and then 8.99% p.a.

$59 $0 in the first year

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Bank of Queensland

Blue Visa Credit Card

0% p.a. for 9 months then 20.74% p.a.

0% p.a. for 9 months and then 21.74% p.a.

$60

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Westpac

Flex Card

0% p.a.

No current offer

$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.

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NAB

StraightUp Card

n/a

No current offer

$240 $20/month - waived if no spend & no balance owing

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Community First Bank

n0w Credit Card

n/a

No current offer

$228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.

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humm90

Platinum Mastercard

0% p.a. for 3 months then 25.80% p.a.

0% p.a. for 18 months and then 25.99% p.a. Use code BTMARACQ upon applying. to receive 0%pa on balance transfers for 18 months.

$99

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