IMB Bank credit cards

IMB Bank
IMB Bank's overall rating for credit cards

(as rated by the Mozo community)

6.6 / 10

based on 21 reviews

Whether you’re looking for a piece of plastic for the convenience, the spending power or the rewards, IMB have an option that’s sure to suit you! Check out the range of credit cards available and all the facts, figures and fine print about them below.

Rates and fees verified as correct at 22 November, 2018. Other information correct at the time of writing.

What credit cards do IMB Bank offer?

Low rate credit cards Low rate credit cards

Tend to carry a balance on your credit card? You can minimise the impact that habit has on your savings pile by opting for a low rate credit card option. If you’re looking for simplicity and cost effectiveness, check out the low rate credit card option from IMB Bank below.

Product Purchase rate Balance transfer rate Annual fees Interest free days

12.99% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$49

55


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Low fee credit cards Low fee credit cards

Don’t start your credit card spending off on the wrong foot by shelling out for a massive annual fee! Grab a low fee card from IMB to keep costs low and have you spending your money on the things you really want to.

Product Purchase rate Balance transfer rate Annual fees Interest free days

12.99% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$49

55


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Rewards credit cards Rewards credit cards

On the other hand, if you want something a bit fancy for your piece of plastic, check out IMB Bank’s rewards credit card option. It comes at the price of a hefty annual fee, but not only will you be earning bonus points on your spending, but because this is a platinum credit card, you can also cash in on a bunch of freebies and special offers.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Mastercard, uncapped

20.24% p.a.

0% p.a. for 14 months and then 21.74% p.a.

$129 $99 in the first year


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Prestige cards Prestige cards

Do you like a bit of fanfare when you flash your plastic? Then get your hands on the prestige option from IMB. This is a top end rewards card, so you’ll have access to great perks and some serious rewards power, but expect to pay for it through the annual fee and interest rate!

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Mastercard, uncapped

20.24% p.a.

0% p.a. for 14 months and then 21.74% p.a.

$129 $99 in the first year


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**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 IMB Bank credit cards

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

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.

What fees might I be charged?

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

What’s the minimum payment I need to make on my IMB Bank credit card?

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.

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

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.

Can I use contactless payment with my IMB Bank credit card?

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. 

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

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.

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

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.

Avoiding credit card fraud

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.

How are IMB Bank credit cards rated?

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

IMB Bank credit cards

Overall 6.6

Price

Features

Customer service

Convenience

Trust

20 Reviews

Recent IMB Bank credit card reviews Recent IMB Bank credit card reviews

IMB Bank

IMB Bank Platinum Rewards Mastercard credit card review

Overall rating   8 / 10

Good

Good.

Full review

Good.

    Features   0 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Marion, New South Wales, reviewed 8 months ago

IMB Bank

IMB Bank Platinum Rewards Mastercard credit card review

Overall rating   7 / 10

Excellent rewards at no cost

I have no annual fee and get points for every dollar I spend and get at least 1000.00 worth of vouchers per year.

Full review

I have no annual fee and get points for every dollar I spend and get at least 1000.00 worth of vouchers per year.

    Price   10 / 10

    Features   8 / 10

    Customer service   5 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

David, New South Wales, reviewed about 3 years ago

IMB Bank

IMB Bank Low Rate Mastercard credit card review

Overall rating   7 / 10

Best ever

The best bank in NSW.

Full review

The best bank in NSW.

    Price   8 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   7 / 10

Less

Peter, New South Wales, reviewed over 3 years ago

IMB Bank

IMB Bank credit card review

Overall rating   6 / 10

Competitive

Most helpful.

Full review

Most helpful.

    Price   7 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   6 / 10

Less

Kees, New South Wales, reviewed over 3 years ago

IMB Bank

IMB Bank credit card review

Overall rating   6 / 10

Should be more understanding with loyal customers

Have been with them for over 20 years without a problem, was disappointed when went to get a house loan last year and was knocked back

Full review

Have been with them for over 20 years without a problem, was disappointed when went to get a house loan last year and was knocked back

    Price   6 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   7 / 10

Less

Graham hogan, , reviewed almost 4 years ago

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

If you want to apply for a credit card with IMB Bank, here’s what you’ll need:

  • To be over 18 and have the I.D. to prove it
  • To be an Australian permanent resident
  • A good credit rating
  • A taxable income of at least $35,000 a year
  • An email address for the online application
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