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Police Bank Visa Credit Card

Advertiser disclosure
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: 13 October 2020.

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What's hot
  • 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. 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.

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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 27 November 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
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 over 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 about 5 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 over 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 almost 6 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 almost 6 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.

See Police Bank credit cards

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$149 $0 in the first year

CUA Platinum Rewards

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

20.74% p.a.

0% p.a. for 22 months and then 20.99% p.a.

$129 $64 in the first year

Velocity Frequent Flyer

Qantas Money

Qantas Money

Qantas Premier Platinum

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

$299 $199 in the first year

Qantas Frequent Flyer

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Qantas Money

Qantas Money

Qantas Premier Platinum

Qantas Frequent Flyer

$299 $199 in the first year

100,000

1 point up to $10,000/month, then
0.5 points uncapped

Bankwest

Bankwest

Qantas Platinum Mastercard

Qantas Frequent Flyer

$160

30,000

0.75 points up to $2,500/month, then
0.3 points uncapped

St.George

St.George

Amplify Platinum

Qantas Frequent Flyer

$99

70,000

0.5 points uncapped

Suncorp

Suncorp

Clear Options Platinum

Suncorp Rewards

$129

100,000

1.25 points uncapped

Citi

Citi

Rewards - e-voucher Offer

Citi Rewards Program

$199 $99 in the first year

No current offer

1 point up to $10,000/month

Bank of Melbourne

Bank of Melbourne

Amplify Platinum

Amplify Rewards

$99 $0 in the first year

No current offer

1 point uncapped

American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Westpac

Westpac

Low Rate

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

St.George

St.George

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

CUA

CUA

Low Rate Credit Card

0% p.a. for 20 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

ANZ

ANZ

First

0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)

20.24% p.a.

$30

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$299 $199 in the first year

Qantas Frequent Flyer

Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months and then 22.24% p.a.

0.90% p.a. for 15 months then 14.99% p.a.

$99

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

Bankwest

Bankwest

Zero Platinum Mastercard

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

17.99% p.a.

$0

St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

NAB

NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Bank of Melbourne

Bank of Melbourne

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49

BankSA

BankSA

Amplify Platinum

0% p.a. for 7 months then 19.74% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$99 $0 in the first year

Virgin Money

Virgin Money

No Annual Fee Card

0% p.a. for 12 months then 18.99% p.a.

0% p.a. for 12 months and then 20.99% p.a.

$0

St.George

St.George

Vertigo Platinum

0% p.a. for 15 months then 12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99 $49 in the first year

Bank of Melbourne

Bank of Melbourne

Amplify Platinum

0% p.a. for 7 months then 19.74% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$99 $0 in the first year