Beyond Bank’s credit card offering is a low rate card that also comes with a pretty low annual fee attached. It’s perfect for keeping the cost of interest down, and also comes with a generous balance transfer deal for managing previous credit card balances. Check it out below.
Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
---|---|---|---|---|
11.99% p.a. |
0% p.a. for 12 months and then 11.99% p.a. |
$49 |
62 |
Why ay a hefty annual fee if you don't have to? This Beyond Bank credit card option is a real budget beater - you'll never pay too much again with this low fee, low interest option in your wallet.
Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
---|---|---|---|---|
11.99% p.a. |
0% p.a. for 12 months and then 11.99% p.a. |
$49 |
62 |
A Beyond Bank credit card offers one of the longest interest free periods around at 62 days. So you’ve got a leisurely period in which to pay off purchases before being charged interest, which is handy to help keep your balance under control and your credit card costs low.
Before you get carried away with how cost effective the Beyond Bank credit card is, keep in mind that you will have to budget for a couple of fees. These include the annual fee, foreign currency conversion fees and cash advance fees.
Definitely. The Beyond Bank low rate card offers a competitive zero interest period for you to pay off balances you transfer to the card. And one of the good things about doing a balance transfer with a Beyond Bank credit card is that after the zero interest period is over, any remaining balance will revert back to the low purchase rate, rather than the higher cash advance rate, as with many credit cards.
For more info on balance transfers and how they can help you manage your credit card balance, check out our balance transfer guide.
The Beyond Bank credit card operates on the VISA network, which means yes, you can use payWave to pay for purchases under $100.
Yep, you can use it wherever VISA is accepted. But keep that foreign exchange fee in mind when you do!
Short answer: none. The Beyond Bank credit card is an option that emphasises simplicity and ease of use - the trade off for that is that you have no rewards power.
If you do want to cash in on rewards and freebies, check out some competitive rewards cards.
There are a few lines of defence to keep your credit card safe as you’re using it, including:
Smart Chip Protection - By using a smart chip, your credit card is much safer from skimming, counterfeiting and other fraud.
Visa Zero Liability Policy - If someone does get a hold of your credit card details, the zero liability policy means that you won’t be held accountable for any costs incurred.
Verified by Visa - when you make online purchases on sites that offer verified by Visa, you’ll be automatically recognised and protected.
Mozo users have rated Beyond Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
31 Reviews
Always polite on the phone or in person & always fix the problem.
Read full reviewAlways polite on the phone or in person & always fix the problem.
They are my bank and I have had no problems and they always helped me when I needed something. Thank you to staff at Beyond Bank.
Read full reviewThey are my bank and I have had no problems and they always helped me when I needed something. Thank you to staff at Beyond Bank.
Beyond Bank has always been easy to communicate with and reliable for what they promise. No Fuss. Contactable quickly. Friendly.
Read full reviewBeyond Bank has always been easy to communicate with and reliable for what they promise. No Fuss. Contactable quickly. Friendly.
Very friendly staff in an efficient operation.
Read full reviewVery friendly staff in an efficient operation.
You can apply for a Beyond Bank credit card either in a branch or online. Before you start, make sure you have this information handy:
To be eligible, you need to be over 18, an Australian citizen or permanent resident, have a good credit history, agree to a credit check and have a net income of over $2,000 a month.
Want to know more about applying for a credit card? Check out our guide on applying for a credit card.