Australian Military Bank credit cards

Australian Military Bank
Australian Military Bank's overall rating for credit cards

(as rated by the Mozo community)

7.3 / 10

based on 45 reviews

The Australian Military Bank, formerly known as ADCU, has been helping Australian Defence personnel and their families make the most of their money since 1959, but anyone can become a member. So if you’re after a new credit card, keep reading to see what’s on offer from Australian Military Bank.

Rates and fees verified as correct at 16 November, 2018. Other information correct at the time of writing.

What credit cards do Australian Military Bank offer?

Low rate credit cards Low rate credit cards

Want to pay less for the convenience of a credit card? Then Australian Military Bank’s low rate offering might be just the thing for you. With a reasonable annual fee and low purchase rate, this card will shave dollars off every credit card statement. Check it out below.

Product Purchase rate Balance transfer rate Annual fees Interest free days  

10.99% p.a.

0% p.a. for 12 months and then 10.99% p.a.

$49

55

Go to site

Hide

Low fee credit cards Low fee credit cards

A great addition to any frugal wallet, this low fee credit card from Australian Military Bank will keep costs as low as possible. Because who wants to pay fees? pend your money on the things you really want to.

Product Purchase rate Balance transfer rate Annual fees Interest free days  

10.99% p.a.

0% p.a. for 12 months and then 10.99% p.a.

$49

55

Go to site

Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Australian Military Bank credit cards

What is the interest free period on my Australian Military Bank credit card?

You’ll have an interest free period of up to 55 days to pay off your balance on an Australian Military Bank credit card. The key thing to remember is that this period always starts at the beginning of your credit card statement cycle, not when you make a purchase. So if you by something toward the end of your cycle, you’ll have less days to pay it off.

What fees might I be charged?

This card comes with a pretty mid-range annual fee, plus the usual fees on cash advances and foreign transactions. 

What’s the minimum repayment amount I must make?

Your minimum repayment amount will depend on your balance each month. It will be the highest of either:

2% of the closing balance

or

$20

If your balance is $21 or less, than your minimum payment is the entire balance.

Although this is the minimum payment you have to make, it’s always a good idea to pay off as much of your credit card balance as you can each month to avoid extra charges or the slippery slope of credit card debt.

Can I use my Australian Military Bank credit card for a balance transfer?

Yes! If you already have a credit card balance that you’re trying to pay off, you can transfer it onto your new low rate credit card from Australian Military Bank. But you won’t just enjoy the low rate - you’ll get a period of zero interest to catch your breath and pay off your debt.

Just remember that this period applies to the transferred balance only, not new charges. And if you have any of the balance still owing when the zero interest period is up, you’ll then be charged interest at the regular rate.

Can I use my Australian Military Bank credit card while I’m travelling overseas?

As a VISA card, your Australian Military Bank credit card will work all around the world, wherever VISA is accepted. But keep in mind that foreign transactions do attract a fee, and when you plan your holiday budget, don’t forget to account for foreign exchange rates!

How does payWave work with my Australian Military Bank credit card?

Because your Australian Military Bank credit card is a VISA card, you have access to the payWave system, for easy payments. On purchases under $100, you can Tap ‘n’ Go with contactless payment to make your shopping trips quick and easy. Check out our guide on contactless payments for more information on how it all works.

What rewards options do I have with my Australian Military Bank credit card?

None. This credit card is designed to keep costs low while making spending convenient. That means it doesn’t come with a rewards program. If you’re looking for an affordable card with a bit of rewards earning power, check out these great rewards credit cards.

Avoiding credit card fraud

Credit card security is very important, and you should take some time to make sure your card is as protected as possible.
So here are some tips from Australian Military Bank on keeping your credit card safe:

Sign the back of your card as soon as you get it

When your old card expires, cut it in half and get rid of it

Don’t let anyone else use your card

Protect your PIN number - don’t write it down and don’t tell anyone what it is

Choose a PIN that won’t be easy to guess. Your birthday or part of your name isn’t a great option, and if your PIN isn’t secure, you may not be protected against misuse of your card.

If something fishy pops up in your credit card statement, or if your details are compromised, let Australian Military Bank know as soon as possible

How are Australian Military Bank credit cards rated?

Mozo users have rated Australian Military Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Australian Military Bank credit cards

Overall 7.3

Price

Features

Customer service

Convenience

Trust

45 Reviews

Recent Australian Military Bank credit card reviews Recent Australian Military Bank credit card reviews

Australian Military Bank

Australian Military Bank Low Rate Visa Credit Card credit card review

Overall rating   8 / 10

Adequate

Suits me!

Full review

Suits me!

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Jon, New South Wales, reviewed about 3 years ago

Australian Military Bank

Australian Military Bank Low Rate Visa Credit Card credit card review

Overall rating   5 / 10

Ggjj

Ggg

    Price   8 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Rakesh, New South Wales, reviewed about 3 years ago

Australian Military Bank

Australian Military Bank Low Rate Visa Credit Card credit card review

Overall rating   8 / 10

hello

Hello

Full review

Hello

    Price   8 / 10

    Features   7 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   3 / 10

Less

Alex, Victoria, reviewed over 3 years ago

Australian Military Bank

Australian Military Bank Low Rate Visa Credit Card credit card review

Overall rating   5 / 10

ok

ok

    Price   6 / 10

    Features   6 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   5 / 10

Less

Alexis, Queensland, reviewed over 3 years ago

Australian Military Bank

Australian Military Bank Low Rate Visa Credit Card credit card review

Overall rating   7 / 10

Good product overall.

Good product not enough shop fronts.

Full review

Good product not enough shop fronts.

    Price   8 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   6 / 10

    Trust   7 / 10

Less

Bret, Tasmania, reviewed over 3 years ago

Hide reviews

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What do you need to apply for a Australian Military Bank credit card? What do you need to apply for a Australian Military Bank credit card?

You can apply for a credit card with Australian Military Bank online, over the phone or by visiting a branch. To be eligible, you’ll have to:

  • Be at least 18 years old
  • Be a citizen or permanent resident of Australia
  • Currently have a regular source of employment or income
  • Have not declared bankruptcy or defaulted on any loans, credit cards, interest free finance or store cards in the last five years
  • Already be or agree to become an Australian Military Bank member

You’ll also have to provide details on 

  • Your employment, income and living costs
  • Any assets including property, savings, super and shares
  • Any amounts you owe, such as loans, overdrafts or other credit cards
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