Thumbnail icon for Police Bank

Police Bank Visa Credit Card

Purchase rate
10.76% p.a.
Balance transfer rate
No current offer
Annual fees
$30 $0 in the first year
Interest free days on purchases
55

Mozo editorial review Police Bank Visa Credit Card

Last updated: 27 May 2020.

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What's hot
  • Mozo Experts Choice Award 2019
  • 10.76% purchase rate
  • No annual fee for first year
What's not
  • $10 late payment fee, but even this is low compared to other banks
Mozo snapshot

Looking for one of Australia's most budget-friendly pieces of plastic? Look no further than Police Bank's Visa Credit Card, winner of a 2019 Mozo Experts Choice Award in the best Balance Transfer Credit Card category. With a low 10.76% purchase rate and no annual fee in the first year ($30 afterwards), you'll be able to save money on fees as well as interest.

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Key features

What's great about the Police Bank Visa Card is that you don't even have to be in the police service to get the benefits of its low rate credit card, it is available to all Australian residents.

You will get up to 55 days interest free on new purchases (as long as you pay your balance off in full each month) or you will pay 10.76%. This interest rate also applies to cash advances but unlike purchases cash advances will start accruing interest immediately so it is best to avoid these if you can.

With Visa access, you can shop online or in person around the world wherever Visa cards are accepted. International purchases however will attract a 3% foreign exchange margin so be sure to factor that into any online shopping budget. For purchases under $100 you can use the Visa payWave feature of the card and just tap and go!

Be sure to automate your payments or you could find that you will be up for a $10 late payment fee.

snapshot
Who is it good for

Australians looking for a credit card with a relatively low interest rate and a low annual fee.

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Any catches

Branch locations are limited but this shouldn't put you off. The account comes with internet banking and telephone banking access for easy account management. 

Details

Rates and fees information correct as at 30 May 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
  • 10.76% p.a.

  • none

  • No current offer

  • no

  • 10.76% p.a.

  • 55

Fees
  • $30.00

  • $0 in the first 1 year

  • none

  • none

  • $10.00

  • $3.80

  • 3.00%

  • $5.00

  • $16.50

  • $0.00

Features
  • $5.00

  • 2.5

  • 1

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

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

Overall customer rating
7.9/10
Price
7.7/10
Features
6.2/10
Customer service
8.1/10
Convenience
6.6/10
Trust
8.4/10

Latest reviews of Police Bank Visa Credit Card

  • Overall 10/10
    They have great rates for seniors

    The bank has excellent staff, always willing to assist. Little or no waiting time.

    Read full review

    The bank has excellent staff, always willing to assist. Little or no waiting time.

    Price
    10/10
    Features
    10/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    10/10
    Less
    Doriel, New South Wales reviewed about 2 years ago
  • Overall 10/10
    Their premiums are very fair

    This bank has been very good and convenient for me.

    Read full review

    This bank has been very good and convenient for me.

    Price
    9/10
    Features
    10/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    10/10
    Less
    Max, New South Wales reviewed over 4 years ago
  • Overall 9/10
    Highly recommended.

    Very happy.

    Read full review

    Very happy.

    Price
    9/10
    Features
    9/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    10/10
    Less
    Jo anne, Queensland reviewed about 5 years ago
  • Overall 9/10
    Great customer service

    The Policebank alow lower credit limits if requested (e.G. $1000)...I didn't want a $5000 limit.

    Read full review

    The Policebank alow lower credit limits if requested (e.G. $1000)...I didn't want a $5000 limit.

    Price
    7/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Ignacious, New South Wales reviewed over 5 years ago
  • Overall 10/10
    Greart bank

    why use one of the 4 banks when this bank interest rate is lower than any of them,and they treat you as a customer,and watch over your banking for frauds

    Read full review

    why use one of the 4 banks when this bank interest rate is lower than any of them,and they treat you as a customer,and watch over your banking for frauds

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    -1/10
    Trust
    10/10
    Less
    James, New South Wales reviewed over 5 years ago
Police Bank

About Police Bank

Police Bank has specially designed its financial products to offer financial solutions to the employees and families of the Police service. Police Bank offers a range of financial products and services in savings accounts, home, car and personal loans, term deposits, credit and debit cards and a range of insurance products, ensuring that its members financial needs are taken care of.

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