BankVic combines both low rates and low fees to make its Visa Silver credit card both extremely affordable upfront and low in ongoing costs. This credit card comes with a 6-month special 6.99% introductory purchase rate and no annual fee.
One of the most eye-catching features of BankVic’s Visa Silver credit card is its 6.99% introductory purchase rate that lasts for 6 months. After this, you’ll still only pay 11.95% interest on purchases and can avoid that cost entirely if you’re able to make the most of the 44 day interest-free period and pay your balance in full at the end of month. Another attractive aspect of this particular piece of plastic is the relatively low cash advance rate which also sits at 11.95% but keep in mind you need to pay the modest $1.80 cash advance fee when accessing cash with this card.
If you have outstanding debt on another credit card, BankVic also boast an introductory balance transfer rate of 6.99% for 6 months before reverting to the ongoing rate of 11.95%.
Another headline feature is the $0 annual card fee. BankVic have done away with the yearly credit card payment to make the Visa Silver easily accessible for its customers. The card does however come with a $15 late payment fee and a foreign exchange margin of 3.65% when using it during your overseas travels.
BankVic's Visa Silver also comes with a string of handy features that will make your everyday banking experience that little bit easier including Visa’s payWave feature, access to BankVic’s 24/7 online and telephone banking and the ability to schedule regular payments.
If you’re after a card that you can get your hands on without having to pay any upfront costs, Visa Silver’s lack of an annual fee makes it an attractive option for you. Once you do have your hands on it, you’ll have the peace of mind of knowing that you’re paying super low rates while having access to a few convenient everyday banking features.
Just remember you’ll have to stump up $15 if you’re tardy with your repayments and if you lose your card, it’ll cost you $10 to replace.
| 11.95% p.a. | |
| 6.99% p.a. for 6 months | |
| 6.99% p.a. for 6 months and then 11.95% p.a. | |
| no | |
| 11.95% p.a. | |
| 44 |
| $0.00 | |
| none | |
| none | |
| none | |
| $15.00 | |
| $4.00 | |
| 3.65% | |
| $2.00 | |
| $25.00 | |
| $0.00 |
| $20.00 | |
| 2.5 | |
| 1 | |
| none |
Apple Pay, Google Pay
BankVic has great customer service.
Read full reviewBankVic has great customer service.
Customer service is second to none and their products and loans are great value. Their branches are a bit hard to get to, but account access via cards and electronic means is simple.
Read full reviewCustomer service is second to none and their products and loans are great value. Their branches are a bit hard to get to, but account access via cards and electronic means is simple.
Very friendly and helpful staff. Unfortunately few branches, thus may not suit person needing face to face banking. On-Line and Phone Banking very easy.
Read full reviewVery friendly and helpful staff. Unfortunately few branches, thus may not suit person needing face to face banking. On-Line and Phone Banking very easy.
Excellent product, excellent Service. I appreciate excellence.
Read full reviewExcellent product, excellent Service. I appreciate excellence.
My bank was Police Credit, they still retain the very good and caring customer service they had when I first joined in the late 60's.
Read full reviewMy bank was Police Credit, they still retain the very good and caring customer service they had when I first joined in the late 60's.
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PayPal
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Kogan Money
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Kogan Rewards Points
St.George
Vertigo
13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $0 in the first year
NAB
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12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
NAB
Qantas Rewards Signature Card
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110,000
1 point up to $5,000/month, then
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American Express
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120,000
1.25 points uncapped
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Velocity Escape Card
Velocity Frequent Flyer
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0.75 points uncapped
Kogan Money
Black Card
0% p.a. for 12 months and then 21.74% p.a.
20.99% p.a.
$0
Kogan Rewards Points
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 12 months then 11.99% p.a.
$45
PayPal
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0% p.a. for 20 months and then 20.99% p.a.
20.99% p.a.
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PayPal Rewards
Westpac
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0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
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humm90
Mastercard
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
23.99% p.a.
$99
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
NAB
Low Rate Card
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
12.99% p.a.
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0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
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Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Westpac
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13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
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0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
NAB
StraightUp Card
0% p.a.
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$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
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American Express Platinum Card
0% p.a. for 6 months then 20.74% p.a.
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0% p.a.
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BankSA
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0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
David Jones
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0% p.a. for 6 months then 20.74% p.a.
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NAB
StraightUp Card
0% p.a.
No current offer
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