Defence Bank credit cards

Defence Bank
Defence Bank's overall rating for credit cards

(as rated by the Mozo community)

5.4 / 10

based on 8 reviews

Although Defence Bank was originally set up to provide for the banking needs of the Australian Defence Force and their families, these days anyone can bank with Defence Bank. It’s member-owned, and the winner of a Mozo Experts Choice Highly Commended Award for Best Low Rate Credit Card in 2014, so you’re sure to find a rewarding credit card here.

Rates and fees verified as correct at 04 December, 2016. Other information correct at the time of writing.

What credit cards do Defence Bank offer?

Low rate credit cards Low rate credit cards

Pay off purchases with ease by flashing your low rate Defence Bank credit card. This is a cost-effective option for those who simply want to spend on the things they love. But the low rates and annual fee have a flip side - don’t expect freebies or rewards from this no-frills credit card option.

Product Purchase rate Balance transfer rate Annual fees Interest free days

3.99% p.a. for 6 months then 11.74% p.a.

3.99% p.a. for 6 months

$45

55


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Low fee credit cards Low fee credit cards

Make high annual fees a thing of the past with this budget beating low fee credit card from Defence Bank! This is a no-frills option for the frugal spender.

Product Purchase rate Balance transfer rate Annual fees Interest free days

3.99% p.a. for 6 months then 11.74% p.a.

3.99% p.a. for 6 months

$45

55


Hide

Frequently Asked Questions about Defence Bank credit cards

    What is the interest free period on my Defence Bank credit card?

    What fees might I be charged?

    What’s the minimum repayment amount I must make?

    What rewards will I earn with my Defence Bank credit card?

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

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

    Can I use my Defence Bank credit card to make contactless payments?

    What can I do to avoid credit card fraud

How are Defence Bank credit cards rated?

Mozo users have rated Defence Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Defence Bank credit cards

Overall 5.4*

Price

Features

Customer service

Convenience

Trust

8 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Defence Bank credit card reviews Recent Defence Bank credit card reviews

Defence Bank

Defence Bank credit card review

Overall rating   4 / 10

High fees.

The fees are very high but the customer service is better than most providers.

Full review

The fees are very high but the customer service is better than most providers.

    Price   1 / 10

    Features   1 / 10

    Customer service   4 / 10

    Convenience   2 / 10

    Trust   5 / 10

Less

Lucas (SA), reviewed about 1 year ago

Defence Bank

Defence Bank credit card review

Overall rating   10 / 10

Great customer service

Defence Bank is a customer focussed entity that strives to and achieves customer satisfaction in all aspects of service and products.

Full review

Defence Bank is a customer focussed entity that strives to and achieves customer satisfaction in all aspects of service and products.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   10 / 10

Less

Laura (VIC), reviewed over 1 year ago

Defence Bank

Defence Bank credit card review

Overall rating   3 / 10

Available at the time.

I joined because it was the only option at the time. I have been disappointed with how they haven't looked after me at all.

Full review

I joined because it was the only option at the time. I have been disappointed with how they haven't looked after me at all.

    Price   5 / 10

    Features   3 / 10

    Customer service   3 / 10

    Convenience   1 / 10

    Trust   4 / 10

Less

Bernie (QLD), reviewed almost 2 years ago

Defence Bank

Defence Bank True Blue Credit Card credit card review

Overall rating   5 / 10

Defence Bank

Don't do enough for members.

Full review

Don't do enough for members.

    Price   3 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   7 / 10

Less

David (NSW), reviewed over 2 years ago

Defence Bank

Defence Bank credit card review

Overall rating   9 / 10

No frills, no fuss, no extras but low ongoing rate

Great card. Does not have any of the bonus programs or rewards but they give a lower rate and less fees because of that and that suits me as there are a million rewards programs so I like my "no frills" credit card.

Full review

Great card. Does not have any of the bonus programs or rewards but they give a lower rate and less fees because of that and that suits me as there are a million rewards programs so I like my "no frills" credit card.

    Price   7 / 10

    Features   1 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Jenna (NSW), reviewed over 3 years ago

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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.

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.

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

You don’t have to be part of the Defence Force, nor do you have to be a member of Defence Bank.

Each application is considered on a case-by-case basis, so you’ll usually have to speak to a representative of Defence Bank either in a branch or over the phone. Generally speaking, to be eligible for a credit card, you’ll need to be:

  • 18 years or over
  • Someone with a good credit history
  • A permanent resident or citizen of Australia

For more on applying for a credit card, check out our handy guide

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