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Formerly known as bankmecu, Bank Australia is a 100% customer-owned bank. They offer a range of credit cards to suit all budgets and spending styles. Check out all the details below to choose the best credit card option for you!
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Last updated 23 July 2025
Important disclosures
Bank Australia credit cards
Low Rate Visa
Purchase rate
12.99
%
p.a.
Balance transfer rate
0.00
%
p.a.
For 6 months and then 12.99% p.a.
Annual fee
$0
Rewards program
-
No Partner link
Purchase rate
12.99
%
p.a.
Intro purchase rate
-
Balance transfer rate
0.00
%
p.a.
For 6 months and then 12.99% p.a.
Annual card fee
$0
Intro fee
-
Interest free days on purchases
Up to 0
Cash advance rate
12.99% p.a.
Cash advance fee
$3.50
Foreign exchange margin
3.00%
Late payment fee
$0.00
Interest free days
Up to 0
Minimum credit limit
$1,000.00
Minimum repayment amount
$20.00
Minimum repayment percentage
2.50%
Additional cardholders
none
Additional cardholder fee
-
Payment options
Apple Pay, Google Pay, Samsung Pay
Rewards program
-
Rewards schemes
-
Rewards bonus points
-
Rewards description
-
Rewards flight options
-
Rewards instant discounts
-
Rewards special offers
-
Rewards privileges
-
Other benefits
-
Other restrictions
-
Visa Credit Card
Purchase rate
19.74
%
p.a.
Balance transfer rate
No current offer
Annual fee
$0
Rewards program
-
No Partner link
Purchase rate
19.74
%
p.a.
Intro purchase rate
-
Balance transfer rate
No current offer
Annual card fee
$0
Intro fee
-
Interest free days on purchases
Up to 55
Cash advance rate
19.74% p.a.
Cash advance fee
$3.50
Foreign exchange margin
3.00%
Late payment fee
$0.00
Interest free days
Up to 55
Minimum credit limit
$1,000.00
Minimum repayment amount
$20.00
Minimum repayment percentage
2.50%
Additional cardholders
none
Additional cardholder fee
-
Payment options
Apple Pay, Google Pay, Samsung Pay
Rewards program
-
Rewards schemes
-
Rewards bonus points
-
Rewards description
-
Rewards flight options
-
Rewards instant discounts
-
Rewards special offers
-
Rewards privileges
-
Other benefits
-
Other restrictions
Cash advance fee while overseas is $5.
Platinum Rewards Visa
Purchase rate
20.24
%
p.a.
Balance transfer rate
No current offer
Annual fee
$189
Rewards program
Qantas Frequent Flyer
No Partner link
Purchase rate
20.24
%
p.a.
Intro purchase rate
-
Balance transfer rate
No current offer
Annual card fee
$189
Intro fee
-
Interest free days on purchases
Up to 55
Cash advance rate
20.24% p.a.
Cash advance fee
$5.00
Foreign exchange margin
3.00%
Late payment fee
$0.00
Interest free days
Up to 55
Minimum credit limit
$1,000.00
Minimum repayment amount
$20.00
Minimum repayment percentage
2.50%
Additional cardholders
yes
Additional cardholder fee
$59.00
Payment options
Apple Pay, Google Pay, Samsung Pay
Rewards program
Qantas Frequent Flyer
Rewards schemes
0.75 points per dollar on Visa, up to 20000 points per month
Rewards bonus points
-
Rewards description
Points are automatically credited to the Qantas Frequent Flyer program.
Rewards flight options
All rewards are redeemed via Qantas Frequent Flyer.
Rewards instant discounts
Bonus points on selected Qantas products and services.
Rewards special offers
-
Rewards privileges
Travel Insurance
Other benefits
-
Other restrictions
-
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Overall customer rating for Bank Australia credit cards
4.0
Price
3.7
Features
3.2
Customer service
4.1
Convenience
3.7
Trust
4.1
Based on 49 product reviews.
Customer reviews
Important disclosures
J
Jasmine
Queensland -
Product name: Low Rate Visa
5.0
Really great, in my opinion
Overall great bank, friendly service, really understanding of situations
Price
1.5
Features
3.5
Service
5.0
Convenience
5.0
Trust
5.0
T
Tom
Western Australia -
4.0
Great for points, less so for features.
The Qantas Money card is great if you want to maximise Frequent Flier points, however the app and website aren't very feature rich, with frequent downtimes. If you can look past that and utilise the bonus points effectively, you can amass a significant amount of points each year.
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.
Important disclosures
Advertiser disclosure
This table shows a range of products, and we may receive payment if you use the links provided. It does not show all providers or all products from the providers. Mozo is paid a fee by the product issuer if you use a link on our site to go to their site from ours, make an inquiry, or you take out a product with them. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo. You do not pay any extra for using our service.
We may also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not. While we pride ourselves on covering a wide range of products, we don't cover every product in the market.
Sometimes we may choose to advertise certain products more prominently, either by showing them as ‘Promoted’ at the top of a table or by selecting a set of specific products to feature on a page. Otherwise our comparison tables typically sort according to estimated repayments for loans and interest rates for deposits, and they show products that meet the criteria in the filters. You can change the filter settings to see other products.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Important disclosures
Important information about the Mozo customer ratings
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. More about the Mozo customer ratings.
Disclaimer
Who we are and how we get paid
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
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Important information on terms, conditions and sub-limits
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
