Visa Credit Card card image

Bank Australia Visa Credit Card

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

Mozo editorial review Bank Australia Visa Credit Card - last updated: 28 October 2021

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What's hot
  • Mozo Experts Choice Award Winner 2021
  • 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 2021 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. 

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. 


Rates and fees information correct as at 20 August 2022 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.

12.39% p.a.


No current offer


12.39% p.a.

















Applications temporarily closed for new Bank Australia customers.

Payment options

Apple Pay, Google Pay, Samsung Pay

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