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.
BankVic, formerly the Police Credit Union VIC, is a mutual bank wholly owned by its members. BankVic offers financial services for people working in police, health, emergency and public services along with their family and friends. Personal banking products available at BankVic include credit cards, home loans, insurance and financial advice.
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0% p.a. for 13 months and then 21.74% p.a.
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0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
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0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
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19.99% p.a.
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$149 $0 in the first year
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Qantas Frequent Flyer
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0.75 points uncapped
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60,000
0.5 points uncapped
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$250
30,000
0.66 points up to $3,000/month, then
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$250
150,000
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0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
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0% p.a. for 13 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
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2.99% p.a. for 9 months and then 17.99% p.a.
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13.74% p.a.
$59
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0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
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0.90% p.a. for 15 months and then 22.24% p.a.
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0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59
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11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
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Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
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$55 $0 in the first year
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0% p.a.
No current offer
$240 $20/month - waived if no spend & no balance owing
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