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Defence Bank True Blue Credit Card

Purchase rate
3.99% p.a. for 6 months then 11.74% p.a.
Balance transfer rate
3.99% p.a. for 6 months and then 11.74% p.a.
Annual fees
$45
Interest free days on purchases
55

Mozo editorial review Defence Bank True Blue Credit Card

Last updated: 26 May 2020.

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What's hot
  • Introductory 3.99% purchase rate for 6 months (then 11.74%)
  • Low $45 annual fee
  • Apple Pay, Google Pay and Samsung Pay available
What's not
  • 3.00% foreign exchange margin
Mozo snapshot

Whether you work in the Australian Defence Force or like the idea of a bank with a customer-first mindset, you can’t go past Defence Bank and its True Blue credit card. This credit card is highly budget-friendly, thanks to its low 3.99% introductory purchase rate (then 11.74%) and reasonable $45 annual fee. There’s also up to 55 interest-free days and you’ll have your pick of contactless payment options.

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Key features

One great thing about Defence Bank is that you don’t have to be a member of the Australian Defence Force to get your hands on the True Blue credit card. Once you sign up to the True Blue, you’ll receive an introductory purchase rate of 3.99% for 6 months. Once the 6 months is up, the card’s interest rate will then revert to 11.74%, which is still one of the lower rates on the market. 

This no-frills plastic also features up to 55 interest-free days on purchases, a low $45 annual fee and a cash advance rate of 11.74% - though it’s still best to avoid using your credit card to withdraw cash. And if you love to pay with your smartphone, you’ll be happy to know that Apple Pay, Google Pay and Samsung Pay are available with this card. 

There are still a few things to be aware of, like the 3% foreign exchange margin that will kick in for international purchases. A $20 late payment fee will apply if you miss a payment and since this plastic is for the frugal of mind, there is no rewards program. 

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Who is it good for

The Defence Bank True Blue credit card could be a great pick for Aussie shoppers looking to take advantage of a low purchase rate or spenders in need of a card for everyday spending. 

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Any catches

There’s no denying this card can be a great shopping companion, thanks to its introductory purchase rate. But remember, if you use it for some online shopping on an international website, you will be slapped with the aforementioned 3% fee. 


Details

Rates and fees information correct as at 4 June 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 11.74% p.a.

  • 3.99% p.a. for 6 months

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

  • no

  • 11.74% p.a.

  • 55

Fees
  • $45.00

  • none

  • none

  • none

  • $20.00

  • $4.10

  • 3.00%

  • $2.00

  • $20.00

  • $5.00

Features
  • $10.00

  • 3.0

  • 4

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

How are Defence Bank credit cards rated by the Mozo community?

Overall customer rating
7.3/10
Price
6.9/10
Features
5.5/10
Customer service
7.4/10
Convenience
6.3/10
Trust
7.5/10

Latest reviews of Defence Bank True Blue Credit Card

  • Overall 9/10
    Competitive rates with defence expertise.

    Excellent attentive service with flexibility during times of hardship. Just a phone call away if advice is needed.

    Read full review

    Excellent attentive service with flexibility during times of hardship. Just a phone call away if advice is needed.

    Price
    9/10
    Features
    5/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    10/10
    Less
    Debra, New South Wales reviewed 6 months ago
  • Overall 8/10
    Ease of use at most ATMs at a fee

    only can be used on line or at Active Bases

    Read full review

    only can be used on line or at Active Bases

    Price
    7/10
    Features
    8/10
    Customer service
    7/10
    Convenience
    3/10
    Trust
    8/10
    Less
    Robin, South Australia reviewed over 5 years ago
  • Overall 5/10
    Defence Bank

    Don't do enough for members.

    Read 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, New South Wales reviewed almost 6 years ago
  • Overall 8/10
    A trusted bank

    I love the Defense Bank because of the trust and loyalty with the bank. Every loan that is given is hard which means they only give loans to people who can afford them.

    Read full review

    I love the Defense Bank because of the trust and loyalty with the bank. Every loan that is given is hard which means they only give loans to people who can afford them.

    Price
    9/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    7/10
    Trust
    10/10
    Less
    Alex, Victoria reviewed almost 8 years ago
  • Overall 7/10
    Better than good rates and great customer service

    They are the best rate and have fantastic customer service but they do not have a rewards program.

    Read full review

    They are the best rate and have fantastic customer service but they do not have a rewards program.

    Price
    10/10
    Features
    0/10
    Customer service
    10/10
    Convenience
    7/10
    Trust
    10/10
    Less
    Anita, New South Wales reviewed about 8 years ago
Defence Bank

About Defence Bank

Defence Bank was originally set up to provide financial products and services to members of the Defence force and their families. Now catering to the defence community and general public, Defence Bank offer services in savings and investment accounts, personal loans, home loans, credit cards, debit cards, term deposits and car insurance.

See Defence Bank credit cards

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11.99% p.a.

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$49 $0 in the first year

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12.99% p.a.

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20.74% p.a.

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Bankwest

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12.99% p.a.

0% p.a. for 6 months and then 12.99% p.a. (2.00% balance transfer fee)

$99

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Platinum Credit Card

19.99% p.a.

0% p.a. for 18 months and then 21.74% p.a.

$149 $0 in the first year

Life Rich Rewards

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Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

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Platinum Credit Card

Life Rich Rewards

$149 $0 in the first year

No current offer

1 point up to 100,000 points/year

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Qantas Frequent Flyer

$0

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0.75 points uncapped

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Cashback Rewards

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1 point up to $3,000/month

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Membership Rewards

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15,000

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55,000

1.25 points uncapped

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Membership Rewards

$395

50,000

2 points uncapped

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Platinum Edge Credit Card

Membership Rewards

$195

No current offer

1 point uncapped

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David Jones

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American Express Platinum Card

Membership Rewards

$295

30,000

1 point uncapped

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Low Rate Credit Card

0% p.a. for 18 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

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Bankwest

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0% p.a. for 6 months and then 12.99% p.a. (2.00% balance transfer fee)

12.99% p.a.

$79

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Breeze Platinum Mastercard

0% p.a. for 6 months and then 12.99% p.a. (2.00% balance transfer fee)

12.99% p.a.

$99

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0% p.a. for 18 months and then 21.74% p.a.

19.99% p.a.

$149 $0 in the first year

Life Rich Rewards

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2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

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Zero Platinum Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

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0% p.a. for 6 months then 12.54% p.a.

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$129 $49 in the first year

Suncorp Rewards

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11.99% p.a.

0% p.a. for 18 months and then 21.74% p.a.

$49 $0 in the first year

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Breeze Mastercard

12.99% p.a.

0% p.a. for 6 months and then 12.99% p.a. (2.00% balance transfer fee)

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11.99% p.a.

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10.49% p.a.

0% p.a. for 6 months and then 10.49% p.a.

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11.99% p.a.

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0% p.a. for 6 months and then 12.54% p.a.

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0% p.a. for 14 months and then 21.99% p.a.

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