Visa Credit Card card image

Police Bank Visa Credit Card

Advertiser disclosure
Purchase rate
10.76% p.a.
Balance transfer rate
0% p.a. for 12 months and then 10.76% p.a.
Annual fees
$30 $0 in the first year
Interest free days on purchases

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.

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. 


Rates and fees information correct as at 29 June 2022 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.

10.76% p.a.


0% p.a. for 12 months and then 10.76% p.a.


10.76% p.a.




$0 in the first year














Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

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About Police Bank