based on 710 Beyond Bank banking product reviews as rated by Mozo community

Beyond Bank credit cards

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.

What credit cards do Beyond Bank offer?

Rates and fees verified as correct at 26 September, 2021. Other information correct at the time of writing. Advertiser disclosure.

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 on purchases

11.99% p.a.

0% p.a. for 12 months and then 11.99% p.a.

$49

62

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 on purchases

11.99% p.a.

0% p.a. for 12 months and then 11.99% p.a.

$49

62

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.

Icon of credit-cards
Beyond Bank credit cards
Overall
Price
Features
Customer service
Convenience
Trust

30 Reviews

Recent Beyond Bank credit card reviews

Beyond Bank Credit Card
Overall 10/10
My favourite bank

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 review

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.

Price
8/10
Features
8/10
Customer service
8/10
Convenience
8/10
Trust
10/10
Less
Emma, Western Australia, reviewed 8 months ago
Beyond Bank Credit Card
Overall 9/10
Fantastic.

Beyond Bank has always been easy to communicate with and reliable for what they promise. No Fuss. Contactable quickly. Friendly.

Read full review

Beyond Bank has always been easy to communicate with and reliable for what they promise. No Fuss. Contactable quickly. Friendly.

Price
10/10
Features
9/10
Customer service
10/10
Convenience
7/10
Trust
10/10
Less
Cynthia, Australian Capital Territory, reviewed 9 months ago
Beyond Bank Low Rate
Overall 9/10
Great service.

Very friendly staff in an efficient operation.

Read full review

Very friendly staff in an efficient operation.

Price
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Edgar, New South Wales, reviewed over 1 year ago
Beyond Bank Low Rate
Overall 7/10
Best.

They are very good.

Read full review

They are very good.

Price
9/10
Features
7/10
Customer service
7/10
Convenience
8/10
Trust
9/10
Less
Traci, South Australia, reviewed over 1 year ago
Beyond Bank Low Rate
Overall 10/10
Good.

Good.

Price
0/10
Features
0/10
Trust
10/10
Less
Britney, South Australia, reviewed almost 2 years ago

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.

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