Bank Australia Visa Credit Card

12.39% p.a.

No current offer

$0

n/a

Bank Australia Visa Credit Card

12.39% p.a.

No current offer

$0

n/a

Mozo Review   Bank Australia Visa Credit Card Review

Last updated: 21 October 2019.

What's hot:
  • Mozo Experts Choice Award Winner 2019

  • 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 2019 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. 


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. 

Who it's good for:

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

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 5 April 2020 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 Pay, Samsung Pay

Customer Reviews

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

Overall customer rating
7.8/10
Price
7.4/10
Features
6.1/10
Customer service
8.1/10
Convenience
7.3/10
Trust
8.0/10

Latest reviews of Bank Australia Visa Credit Card

  • Overall 9/10
    Customer service is dependant on who you get.

    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 review

    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.

    Price
    10/10
    Features
    10/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Ewen, Queensland reviewed 5 months ago
  • Overall 8/10
    Easy to deal with.

    Increase in rates once you sign up.

    Read full review

    Increase in rates once you sign up.

    Price
    9/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Raylene, Victoria reviewed 5 months ago
  • Overall 10/10
    Nice

    Nice

    Price
    -1/10
    Features
    -1/10
    Customer service
    -1/10
    Convenience
    -1/10
    Trust
    -1/10
    Less
    Makhela, Queensland reviewed over 1 year ago
  • Overall 8/10
    Competitive, great value for money.

    Bank Australia keeps me informed about their activities and the market. I feel safe with them.

    Read full review

    Bank Australia keeps me informed about their activities and the market. I feel safe with them.

    Price
    7/10
    Features
    5/10
    Customer service
    10/10
    Convenience
    5/10
    Trust
    8/10
    Less
    Alexandra, Victoria reviewed about 4 years ago
  • Overall 10/10
    Great bank to be with will recommend to join

    Always helpful - always willing to give help never pushy will never charge interest before calling you.

    Read full review

    Always helpful - always willing to give help never pushy will never charge interest before calling you.

    Price
    8/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Theo, New South Wales reviewed about 4 years ago
Bank Australia

About Bank Australia

Bank Australia is a customer owned bank. Formerly bankmecu, Bank Australia has over 130,000 customers which act as shareholders of the bank. It offers a full range of products including home loans, savings, credit cards and loan products, and because its shareholders are its customers, they benefit from lower rate and fees. Bank Australia also invests up to 4% of its profits in various community projects every year.

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