AMB Bank Product
Low Rate Visa Credit Card
With a low annual fee and a low ongoing interest rate for purchases, the Low Rate Visa Credit Card is the only credit card you'll ever need. Plus, with our competitive 12-month balance transfer rate, you can also transfer your outstanding balances from other credit or store cards to Australian Military Bank for 0.00% p.a (introductory rate).
Credit cardsBank updated 15 Sept 2026
At a glance
- Purchase rate
- 11.99%
- Cash advance
- 19.99%
- Interest-free days
- 45
- Annual fee
- $49
- Foreign transaction fee
- 1.00%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | — | — | — | 19.99% | — | — |
| FixedIntroductory balance transfer rate: 0.00% p.a. for 12 months | — | 1 yr fixed | — | 0.00% | — | — |
| Purchase | — | — | — | 11.99% | — | — |
§ 02 — Fees · 32
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Archive retrieval fee | Event | $50 | — | A hourly fee applies plus any expenses incurred |
| Arrears notice fee | Event | $20 | — | 2nd and subsequent reminders by letter or phone |
| Audit Certificate Fee | Event | $50 | — | Per audit certificate requested |
| Bank Cheque | Event | $5 | — | — |
| Card transaction voucher retrieval | Event | $35 | — | — |
| Copies of statements (over 12 months) at branch or posted | Event | $5 | — | per page |
| Copies of statements (up to 12 months) at branch | Event | $2.50 | — | — |
| Declined Visa dispute | Event | $30 | — | If a Visa dispute lodged by you is declined and found that the claim was invalid |
| Default notice fee | Event | $30 | — | Payable when a notice is issued regarding a default under the credit card contract |
| Emergency replacement Visa card (within Australia) Bank processing fee | Event | $1 | — | At cost plus $20 bank processing fee |
| Encashment of Foreign Cash | Event | $10 | — | Minimum encashment of AU$50 applies |
| Foreign Cash | Event | 1.00% of transaction | — | 1% of AUD value of amount purchased. Minimum order of AU$100 applies |
| Foreign Cheque encashment (<AU$5000) | Event | $15 | — | — |
| Foreign Cheque encashment (>AU$5000) | Event | $50 | — | — |
| Late payment fee - credit card | Event | $10 | — | — |
| Overseas Visa card replacement Bank processing fee | Event | $1 | — | At cost plus $20 bank processing fee |
| Annual fee - credit card | Periodic | $49 | Every 1 yr | — |
| Copies of statements (up to 12 months) posted | Periodic | $5 | Every 1 mo | per page |
| Paper statement fee (per statement) | Periodic | $2 | Every 1 mo | — |
| Amendment/ cancellation of telegraphic transfer/swift transfers | Transaction | $35 | — | — |
| Direct debit dishonour - electronic | Transaction | $10 | — | — |
| EFT trace/recall of funds | Transaction | $25 | — | — |
| Foreign Currency Conversion fee | Transaction | 2.95% of transaction | — | — |
| Foreign drafts | Transaction | $20 | — | — |
| Periodical payment - insufficient funds rejection fee | Transaction | $5 | — | — |
| Stopped bank cheque | Transaction | $15 | — | — |
| Swift transfers | Transaction | $25 | — | Electronic funds transfer between Australian Military Bank and other financial institutions |
| Telegraphic transfers (AUD) | Transaction | $35 | — | — |
| Telegraphic transfers (foreign currency) | Transaction | $30 | — | — |
| Telegraphic transfers (online) | Transaction | $20 | — | — |
| Cash advance at other financial institution | Withdrawal | $4.50 | — | — |
| Overseas ATM withdrawals | Withdrawal | $4.50 | — | — |
§ 03 — Features
Digital bankingBalance transfers45 interest-free daysApple Pay, Google Pay, Samsung Pay. Garmin Pay, Fitbit Pay
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Individuals must be permanently residing in Australia
- · Employment: Applicants must be currently employed or receiving a regular income. Self employed clients should contact the Bank prior to applying
- · Available to individuals
- · Amount $2,000 to $50,000
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Australian Military Bank under the Consumer Data Right, last changed by them on 15 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.