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.
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.
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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 |
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$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 |
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$20.00 |
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2.5 |
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none |
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Applications temporarily closed for new Bank Australia customers. |
Apple Pay, Google Pay, 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.
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$59 $0 in the first year
American Express
Qantas Ultimate Card
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$195
30,000
1 point uncapped
St.George
Amplify Rewards Platinum
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60,000
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NAB
Qantas Rewards Premium Card
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$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
St.George
Amplify Rewards Platinum
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$99 $29 in the first year
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0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
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13.99% p.a.
$55 $0 in the first year
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20.74% p.a.
$129 $0 in the first year
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Amplify Rewards Platinum
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
19.49% p.a.
$99
Qantas Frequent Flyer
St.George
Amplify Rewards Signature
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
19.49% p.a.
$279
Qantas Frequent Flyer
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6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
Virgin Money
No Annual Fee Card
0% p.a. for 12 months then 18.99% p.a.
0% p.a. for 12 months and then 20.99% p.a.
$0
Westpac
Low Rate
13.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
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Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Virgin Money
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20.74% p.a.
0% p.a. for 28 months and then 20.99% p.a.
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12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a.
$59 $0 in the first year
Virgin Money
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20.74% p.a.
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0% p.a. for 12 months and then 20.99% p.a.
$0
