Auswide Bank credit cards

Auswide Bank
Auswide Bank's overall rating for credit cards

(as rated by the Mozo community)

9.0 / 10

based on 6 reviews

Looking for a credit card for convenience, spending power and rewards? Look no further. Auswide Bank may not offer a lot of credit cards, but what it lacks in quantity, it makes up for in style. Whatever you’re looking for in a piece of plastic, you’re sure to find one to suit you, so check out your Auswide Bank credit card options below.

Rates and fees verified as correct at 14 November, 2018. Other information correct at the time of writing.

What credit cards do Auswide Bank offer?

Low rate credit cards Low rate credit cards

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

9.45% p.a.

No current offer

$50 $0 fee for under 25 years olds

55


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Low fee credit cards Low fee credit cards

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

9.45% p.a.

No current offer

$50 $0 fee for under 25 years olds

55


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Rewards credit cards Rewards credit cards

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


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Prestige cards Prestige cards

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


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**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 Auswide Bank credit cards

How many interest free days will I get with a Auswide Bank credit card?

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. 

What fees might I be charged?

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.

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

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.

Can I use paypass with my Auswide Bank credit card?

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. 

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

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.

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

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.

What kind of insurance options does my Auswide Bank credit card offer?

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

How are Auswide Bank credit cards rated?

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.

Auswide Bank credit cards

Overall 9.0

Price

Features

Customer service

Convenience

Trust

6 Reviews

Recent Auswide Bank credit card reviews Recent Auswide Bank credit card reviews

Auswide Bank

Auswide Bank credit card review

Overall rating   10 / 10

Good product

Good product.

Full review

Good product.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Glen, Queensland, reviewed over 3 years ago

Auswide Bank

Auswide Bank credit card review

Overall rating   9 / 10

Understanding

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...

Full review

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.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Rand, Queensland, reviewed almost 4 years ago

Auswide Bank

Auswide Bank credit card review

Overall rating   10 / 10

so easy to use and understand

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.

Full review

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.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Margaret, Queensland, reviewed almost 4 years ago

Auswide Bank

Auswide Bank credit card review

Overall rating   6 / 10

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.

Full review

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.

    Price   3 / 10

    Features   0 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Peter, Queensland, reviewed almost 7 years ago

Auswide Bank

Auswide Bank credit card review

Overall rating   10 / 10

Convenience and good accessibility to ATMs.

Full review

Convenience and good accessibility to ATMs.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Jan, Queensland, reviewed about 7 years ago

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

To apply for an Auswide Bank credit card, you should:

  • Be at least 18 years of age
  • Be a permanent Australian resident
  • Have a good credit rating
  • Earn at least $35,000 p.a. for a premium card or $25,000 p.a. for classic cards

Want to know more about how to apply for a credit card? Check out our guide.

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