Beyond Bank credit cards

Beyond Bank
Beyond Bank's overall rating for credit cards

(as rated by the Mozo community)

8.9 / 10

based on 25 reviews

Looking for a low rate credit card, that will help you keep your spending under control, while still giving you the power to buy all life’s little pleasures? The Beyond Bank credit card offering is just that. Keep reading to find out all the details.

Rates and fees verified as correct at 16 November, 2018. Other information correct at the time of writing.

What credit cards do Beyond Bank offer?

Low rate credit cards Low rate credit cards

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

12.49% p.a.

0% p.a. for 12 months and then 12.49% p.a.

$49

62


Hide

Low fee credit cards Low fee credit cards

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

12.49% p.a.

0% p.a. for 12 months and then 12.49% p.a.

$49

62


Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Beyond Bank credit cards

How many interest free days will I get with a Beyond Bank credit card?

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.

What fees might I be charged?

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.

Can I use my Beyond Bank credit card for a balance transfer?

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

Can I use paypass with my Beyond Bank credit card?

The Beyond Bank credit card operates on the VISA network, which means yes, you can use payWave to pay for purchases under $100.

Can I use my Beyond Bank credit card while I’m travelling overseas?

Yep, you can use it wherever VISA is accepted. But keep that foreign exchange fee in mind when you do!

What kind of rewards and bonuses does my Beyond Bank credit card offer?

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.

How does Beyond Bank protect me from credit card fraud?

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.

How are Beyond Bank credit cards rated?

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.

Beyond Bank credit cards

Overall 8.9

Price

Features

Customer service

Convenience

Trust

25 Reviews

Recent Beyond Bank credit card reviews Recent Beyond Bank credit card reviews

Beyond Bank

Beyond Bank credit card review

Overall rating   10 / 10

Good customer service

You're always treated well and they have excellent service from staff.

Full review

You're always treated well and they have excellent service from staff.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Adele, South Australia, reviewed 9 months ago

Beyond Bank

Beyond Bank Low Rate credit card review

Overall rating   10 / 10

Excellent and secure

Credit Union and not a bank as I pay $2 to become a member and have no fees on debit visa card account

Full review

Credit Union and not a bank as I pay $2 to become a member and have no fees on debit visa card account

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Derren, South Australia, reviewed 10 months ago

Beyond Bank

Beyond Bank Low Rate credit card review

Overall rating   10 / 10

You name it, they do it best

Been with them from the first day they opened!!!

Full review

Been with them from the first day they opened!!!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Steve, New South Wales, reviewed about 3 years ago

Beyond Bank

Beyond Bank Low Rate credit card review

Overall rating   9 / 10

Great bank and great people

Never had a problem with the card or bank, always no hassles to use.

Full review

Never had a problem with the card or bank, always no hassles to use.

    Price   10 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   6 / 10

Less

Craig, Australian Capital Territory, reviewed over 3 years ago

Beyond Bank

Beyond Bank Low Rate credit card review

Overall rating   1 / 10

My credit union was taken over by beyond bank

I have a visa debit card with an overdraft, I think the interest rate is too high and I'm always getting overdue fees and extra charges. I was with Wagga credit union.

Full review

I have a visa debit card with an overdraft, I think the interest rate is too high and I'm always getting overdue fees and extra charges. I was with Wagga credit union.

    Price   0 / 10

    Features   1 / 10

    Customer service   3 / 10

    Convenience   3 / 10

    Trust   2 / 10

Less

Lisa, New South Wales, reviewed over 3 years ago

Hide reviews

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

What do you need to apply for a Beyond Bank credit card? What do you need to apply for a Beyond Bank credit card?

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:

  • Your driver's licence as I.D.
  • Your address, and if it is a new address, your previous one as well
  • Your income details
  • Details of your employment
  • If it’s a new job, details of your previous employment as well
  • Details of your assets and liabilities

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.

Hide

More helpful credit card quick links