IMB Bank credit cards

Either IMB Bank credit card will give you 55 interest free days to pay off your purchases. Taking advantage of these days is one of the most effective ways to limit the cost of using a credit card, so don’t be shy. Remember that this interest free period doesn’t begin when you make the purchase though - it begins at the start of your statement cycle. So to get the most of your interest free days, try to time your big spends for the beginning of the month.

Fees that will apply to your IMB Bank credit card include:

The annual fee (different for each card)

Cash advance fees

Foreign currency conversion fees

Each month, your credit card statement will show the minimum repayment you need to make. How much it is will depend on the balance on your card at the time. It will be the largest of either $30 or 2% of your balance.
Although this is the minimum you need to pay, it’s always a good idea to pay off as much of your balance as you can - that way you minimise interest and reduce the risk of building up credit card debt.

Yep! If you’ve got a credit card balance hanging over your head, find yourself some breathing room with a great balance transfer deal with any IMB Bank credit card. You’ll have a zero interest period to pay off your balance and get your credit card debt under control. But keep in mind that after this period, any balance you haven’t paid off will be charged interest at the higher cash advance rate. So make sure you have a repayment plan in action!

Want to know more? Visit our guide on balance transfers.

You’re IMB Bank credit card works on the MasterCard system, which means you can use PayPass or Tap ‘n’ Go for spends under $100. 

If you’ve got an IMB Bank credit card in your pocket, you’ve got spending power all over the world, wherever MasterCard is accepted.

If you decide to go for a rewards card from IMB Bank, you’ll earn 1 point for every $1 you spend. You’re spoilt for choice as far as redeeming those points go -  you can cash in on cashback, retail products, gift cards or travel with a bunch of airline programs.
Because the rewards card from IMB is also a platinum offer, you can also cash in on a bunch of freebies, including complimentary insurances like international travel insurance, interstate flight inconvenience insurance and purchase cover insurance. Plus, feel a little bit fancy with your own concierge service, which will help snag you exclusive offers and event tickets.

As for the fine print, remember that points are capped at 100,000 a year and can’t be earned on cash advances, balance transfers or special promotions.

It’s important to be aware of the risks of using a credit card, and know how to keep your details and your money safe when you spend. Here are a few tips to keep your IMB Bank credit card safe and sound.

Number one rule: don’t click on any links in emails that say they’re from IMB. IMB Bank won’t send you any emails containing links and if you do get one, it’s probably a scam.

Choose a hard to guess PIN number - 1111 or the year you were born isn’t fooling anyone - and don’t tell anyone what it is or write it down anywhere.

If you’re using your credit card details online, look for the padlock symbol on your browser bar to be sure you’re using a safe connection.

If you use online banking, don’t forget to log off

Report any suspicious emails or activity on your account as soon as you can by calling or emailing IMB Bank.