Rates and fees verified as correct at 18 January, 2021. Other information correct at the time of writing. Advertiser disclosure.
Looking to minimise the amount of interest your credit card is hitting you with each month? Check out a low rate credit card from Auswide Bank to keep costs down.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
|---|---|---|---|---|
| 8.05% p.a. | No current offer | $50 $0 fee for under 25 years olds | 55 |
Don’t pay more than you need to - check out a low fee credit card from Auswide Bank. With a low interest rate as well, this is an option that will keep your bank balance fat and happy.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
|---|---|---|---|---|
| 8.05% p.a. | No current offer | $50 $0 fee for under 25 years olds | 55 |
If you don’t mind a higher interest rate and annual fee in return for a bunch of perks like rewards points, complimentary insurance and a concierge service, then a premium rewards card from Auswide Bank may be for you! Check it out below.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees |
|---|---|---|---|---|
| 1 point per dollar on Mastercard, uncapped | 20.24% p.a. | 0% p.a. for 14 months and then 21.74% p.a. | $129 $99 in the first year |
Make everyone in the checkout line jealous when you whip out this fancy little piece of plastic! The prestige offer from Auswide Bank will help you get your hands on heaps of rewards points and premium goodies like free insurance cover and a concierge service.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees |
|---|---|---|---|---|
| 1 point per dollar on Mastercard, uncapped | 20.24% p.a. | 0% p.a. for 14 months and then 21.74% p.a. | $129 $99 in the first year |
With an Auswide Bank credit card, you’ll have 55 interest free days to pay off your balance before you start being charged interest on it. But keep in mind that as with any credit card, this 55 day period starts at the beginning of your statement cycle, not when you make a purchase.
So if you buy a new T.V. 25 days into your statement cycle, you’ll actually only have 30 days to pay it off before the interest charges come rolling in.
Each Auswide Bank credit card comes with an annual fee (which is much higher for the premium rewards option). You might also pay cash advance and foreign exchange fees, depending on how you plan to use our card.
Yes! Balance transfer offers are a handy way to manage credit card balances, by giving yourself a 0% interest period. During this period, you can gain some breathing room to pay off old debts.
You can use either Auswide Bank credit card for a balance transfer, but keep in mind that the length of your zero interest period will depend on which card you get. It’s important to keep an eye on how long you have to pay off the balance, because if you have anything left owing at the end of this period, you’ll start being charged interest on it at the much higher cash rate.
Auswide Bank credit cards work on the MasterCard system. That means that you can use the PayPass system to pay for small shopping trips by ‘tapping’ your credit card.
Because your Auswide Bank credit card works on the MasterCard network, you can use it wherever MasterCard is accepted, all over the world. As if that wasn’t convenient enough, don’t forget to check out your complimentary travel insurance in your a premium cardholder.
Just remember to make room in your travel budget for foreign transaction fees, or, if that goes against your frugal nature, check out an awesome prepaid travel card deal.
If you’re opting for a rewards card from Auswide Bank, there are heaps of cool perks you can cash in on. For starters, you’ll earn 1 rewards point for every $1 you spend. You will have to factor an annual cap of 100,000 rewards points into your freebie plan, but the good news is, these points don’t expire for the entire life of the card.
When you redeem points, you’ll be able to choose from a range of cool options, including gift vouchers, cashback, merchandise and flights.
Because this card is a premium option, you’ll also get access to cool perks like your very own concierge service, which can help you with everything from finding the perfect anniversary gift to snagging exclusive event tickets.
A premium rewards card from Auswide Bank not only gives you rewards earning power, but it means you can take advantage of a range of complimentary insurance covers. These include:
International Travel Insurance
Transit Accident Insurance
Interstate Flight Inconvenience Insurance
Extended Warranty Insurance
Purchase Cover Insurance
Guaranteed Pricing
Mozo users have rated Auswide Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
6 Reviews
Westpac has always understood older people. They don't get pedantic when you have made an honest mistake and slug you a fee but if a fee was applied with good communication problems are soon resolved. Their card is held in high esteem overseas and I thank Westpac for a job well done.
Read full reviewWestpac has always understood older people. They don't get pedantic when you have made an honest mistake and slug you a fee but if a fee was applied with good communication problems are soon resolved. Their card is held in high esteem overseas and I thank Westpac for a job well done.
I have never in 50 years had any question about the service with this product. My payments are direct debited each month and when they did charge for late payment because of the weekend that amount was promptly reimbursed on my statement.
Read full reviewI have never in 50 years had any question about the service with this product. My payments are direct debited each month and when they did charge for late payment because of the weekend that amount was promptly reimbursed on my statement.
I need a credit card, but as it goes through card services I miss out on points or other bonus card services offer direct to their customers.
Read full reviewI need a credit card, but as it goes through card services I miss out on points or other bonus card services offer direct to their customers.
Convenience and good accessibility to ATMs.
Read full reviewConvenience and good accessibility to ATMs.
To apply for an Auswide Bank credit card, you should:
Want to know more about how to apply for a credit card? Check out our guide.
