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
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 3 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?
Latest reviews of Bank Australia Visa Credit Card
-
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 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.
Price10/10Features10/10Customer service9/10Convenience10/10LessTrust10/10 -
Easy to deal with.
Increase in rates once you sign up.
Read full reviewIncrease in rates once you sign up.
Price9/10Features9/10Customer service9/10Convenience8/10LessTrust8/10 -
Nice
Nice
Read full review -
Competitive, great value for money.
Bank 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.
Price7/10Features5/10Customer service10/10Convenience5/10LessTrust8/10 -
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 reviewAlways helpful - always willing to give help never pushy will never charge interest before calling you.
Price8/10Features9/10Customer service10/10Convenience9/10LessTrust9/10
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.
Promoted
American Express
Qantas Ultimate Card
20.74% p.a.
No current offer
$450
Qantas Frequent Flyer
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 18 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
American Express
Qantas Discovery Card
20.74% p.a.
No current offer
$0
Qantas Frequent Flyer
Promoted
ING
Orange One Platinum Credit Card
16.99% p.a.
No current offer
$149
Cashback Rewards
Promoted
Bankwest
Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
Promoted
American Express
Velocity Escape Card
20.74% p.a.
No current offer
$0
Velocity Frequent Flyer
Promoted
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points uncapped
Promoted
CUA
Platinum Credit Card
Life Rich Rewards
$149 $0 in the first year
No current offer
1 point up to 100,000 points/year
Promoted
ING
Orange One Platinum Credit Card
Cashback Rewards
$149
No current offer
1 point up to $3,000/month
Promoted
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Promoted
Heritage Bank
Platinum
Heritage Credits
$125 $0 when you spend over $35,000 p.a
No current offer
0.002 points uncapped
Promoted
American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
50,000
1.25 points uncapped
Promoted
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Promoted
American Express
Explorer Credit Card
Membership Rewards
$395
50,000
2 points uncapped
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 18 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
Bankwest
Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
Promoted
Bank First
Visa Classic Credit Card
0% p.a. for 6 months then 12.54% p.a.
0% p.a. for 6 months and then 12.54% p.a.
$0
Promoted
Suncorp
Clear Options Platinum
0% p.a. for 14 months then 20.74% p.a.
0% p.a. for 14 months and then 21.99% p.a.
$129 $49 in the first year
Suncorp Rewards
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 14 months then 20.74% p.a.
0% p.a. for 6 months and then 20.99% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
Promoted
Credit Union SA
Education Community Credit Card
0% p.a. for 6 months then 9.99% p.a.
0% p.a. for 6 months and then 9.99% p.a.
$0
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 18 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
Credit Union SA
Education Community Credit Card
0% p.a. for 6 months then 9.99% p.a.
0% p.a. for 6 months and then 9.99% p.a.
$0
Promoted
Bendigo Bank
Low Rate Mastercard
11.99% p.a.
0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Promoted
Credit Union SA
Visa Credit Card
10.49% p.a.
0% p.a. for 6 months and then 10.49% p.a.
$39
Promoted
Bendigo Bank
Low Rate Platinum Mastercard
11.99% p.a.
0% p.a. for 6 months and then 11.99% p.a.
$89
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 18 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
Credit Union SA
Education Community Credit Card
0% p.a. for 6 months then 9.99% p.a.
0% p.a. for 6 months and then 9.99% p.a.
$0
Promoted
Bendigo Bank
Low Rate Mastercard
11.99% p.a.
0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Promoted
Credit Union SA
Visa Credit Card
10.49% p.a.
0% p.a. for 6 months and then 10.49% p.a.
$39
Promoted
Bendigo Bank
Low Rate Platinum Mastercard
11.99% p.a.
0% p.a. for 6 months and then 11.99% p.a.
$89
Promoted
Bank First
Visa Classic Credit Card
0% p.a. for 6 months then 12.54% p.a.
0% p.a. for 6 months and then 12.54% p.a.
$0
