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.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.
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.
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.
12.39% p.a. |
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none |
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No current offer |
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none |
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12.39% p.a. |
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55 |
$0.00 |
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none |
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none |
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none |
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$0.00 |
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$3.50 |
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3.00% |
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$3.00 |
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$26.00 |
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none |
$20.00 |
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2.5 |
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none |
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none |
Apple Pay, Google Wallet, Samsung Pay
I love Bank Australia and I think that everyone should go though gem because they are nice and there easy transactions and so on.
Read full reviewI love Bank Australia and I think that everyone should go though gem because they are nice and there easy transactions and so on.
A great no frills credit card. No annual fee and 55 days interest free. A low interest rate but if you pay the monthly amount you incur no interest.
Read full reviewA great no frills credit card. No annual fee and 55 days interest free. A low interest rate but if you pay the monthly amount you incur no interest.
Increase in rates once you sign up.
Read full reviewIncrease in rates once you sign up.
Nice
Read full reviewBank Australia keeps me informed about their activities and the market. I feel safe with them.
Read full reviewBank Australia keeps me informed about their activities and the market. I feel safe with them.
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
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Platinum Visa Credit Card
19.99% p.a.
No current offer
$299
Qantas Frequent Flyer
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
50,000
1 point up to 20,000 points/month
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
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
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
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
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
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
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
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
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
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
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
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
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
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
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
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.
StraightUp Card
n/a
No current offer
$240 $20/month - waived if no spend & no balance owing
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.
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