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: 18 October 2018.

What's hot:
  • Multiple Mozo Experts Choice Award Winner 2018

  • 12.39% purchase rate

  • $0 annual fee

  • 55 interest free days

What's not:
  • Limited branches but internet and phone banking available 24/7

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 2018 Mozo Experts Choice Award for best No Annual Fee Credit Card. It is 100% free to keep in your wallet with a $0 annual fee and it's got a low purchase rate of 12.39%, so you won't end up paying sky high interest if you occasionally carry over a balance. Plus its got one of the lower foreign exchange fees of all credit cards at 2% making it a good card to take travelling.


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% 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 take your Bank Australia Visa Credit Card overseas or use in Australia where ever Visa cards are accepted. There is a 2% foreign exchange margin for overseas purchases. 

It is best to automate your repayments but it is good to know that bankmecu won't punish you with late payment fees for the occasional late payment.

Who it's good for:

Anyone looking for a simple everyday credit card that can be used here or overseas that wont cost an arm and a leg.

It is also a good card if you do all you don't want regular branch access. There are a limited number of bankmecu branches but internet banking, phone banking and services like Australia post's gyroPost are available so managing your account should be very easy. 

Any catches?

While you can use the credit card overseas, just be aware that if you need an emergency replacement card while travelling, they don't come cheap. It will cost you $US 175 for a replacement card if you are overseas or $20 if you are in Australia. Be sure to pack a back up card or prepaid travel card.

Details

Rates and fees information correct as at 21 January 2019. 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
7.7/10
Price
7.3/10
Features
6.0/10
Customer service
8.1/10
Convenience
7.2/10
Trust
8.0/10

Latest reviews of Bank Australia Visa Credit Card

  • Overall
    10/10
    Nice

    Nice

    Nice

    Price
    -1/10
    Features
    -1/10
    Customer service
    -1/10
    Convenience
    -1/10
    Trust
    -1/10

    Makhela | Queensland

    reviewed 4 months 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.

    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

    Alexandra | Victoria

    reviewed almost 3 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...

    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

    Theo | New South Wales

    reviewed almost 3 years ago

  • Overall
    10/10
    Reliable

    Price
    4/10
    Features
    6/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    9/10

    Erin | New South Wales

    reviewed about 3 years ago

  • Overall
    10/10
    Great customer service

    Great customer service

    Great customer service

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Jean | Northern Territory

    reviewed about 3 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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