Visa Credit Card card image
Mini meca 2023

Bank Australia Visa Credit Card

Advertiser disclosure
Purchase rate
12.39% p.a.
Balance transfer rate
No current offer
Annual fees
$0
Interest free days on purchases
55

Mozo editorial review Bank Australia Visa Credit Card - last updated: 2 November 2023

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What's hot
  • Mozo Experts Choice Award Winner 2023
  • 12.39% p.a. purchase rate
  • $0 annual fee
  • 55 interest free days
What's not
  • 3.00% foreign exchange margin
Mozo snapshot

The Bank Australia Visa Credit Card is a great all round option for anyone after a low cost card option, which is why it was awarded a 2023 Mozo Experts Choice Award for best No Annual Fee Credit Card. It's a budget-friendly piece of plastic to keep in your wallet with a $0 annual fee, and it's got a low purchase rate of 12.39% p.a., so you won't end up paying sky high interest if you occasionally carry over a balance. 

Note: Bank Australia has temporarily closed applications for new Bank Australia customers. 
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Key features

With the Bank Australia Visa Credit Card, if you pay off your balance in full each month, you will get up to 55 days interest free. The standard interest rate for the card is 12.39% p.a. for both purchases and cash advances. Just be aware that there are no interest free days on cash advances, so only do this sparingly; preferably use your ATM or debit card instead. 

You can use your Bank Australia Visa Credit Card in Australia wherever Visa cards are accepted, or you could take it abroad, although bear in mind there is a 3% foreign exchange margin for overseas purchases. 

While it's a great idea to automate your repayments, Bank Australia won't punish you with late payment fees for the occasional late repayment.

And you won't even need to carry the physical card on you while you shop, as the Bank Australia Visa Credit Card lets you pay with your smartphone. You can link the credit card to any of the following digital wallets: Apple Pay, Google Pay or Samsung Pay. 

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Who is it good for

The Bank Australia Visa Credit Card suits Aussies looking for a card that won't cost them an arm and a leg. It's also good if you don't want to worry about missing a repayment here and there.   

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Any catches

While you can use the Bank Australia Visa Credit Card abroad, it might be better to leave this card at home, as you will be charged a 3% foreign exchange margin. A prepaid travel card could be a more inexpensive option to pack in your suitcase before you head overseas. 

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

12.39% p.a.

none

No current offer

none

12.39% p.a.

55

Fees

$0.00

none

none

none

$0.00

$3.50

3.00%

$3.00

$26.00

none

Features

$20.00

2.5

none

none

Payment options

Apple Pay, Google Wallet, Samsung Pay

Customer Reviews

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

Overall
Price
Features
Customer service
Convenience
Trust

Latest reviews of Bank Australia Visa Credit Card

About Bank Australia

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23.99% p.a.

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23.99% p.a.

No current offer

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Qantas Discovery Card

23.99% p.a.

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Qantas Frequent Flyer

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10.99% p.a.

No current offer

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American Express

Qantas Ultimate Card

Qantas Frequent Flyer

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100,000

1.25 points up to 100,000 points/year, then
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Qantas Frequent Flyer

$299

50,000

1 point up to 20,000 points/month

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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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Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

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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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Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

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Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

120,000

1 point up to $5,000/month, then
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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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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.

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$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

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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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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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No current offer

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No current offer

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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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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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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

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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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