At a glance
- Purchase rate
- 9.74%
- Cash advance
- 9.74%
- Interest-free days
- 55
- Annual fee
- $50
- Foreign transaction fee
- 3.00%
- Balance transfer
- 0.00%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer | — | — | — | 0.00% | — | — |
| Cash advance | — | — | — | 9.74% | — | — |
| Purchase | — | — | — | 9.74% | — | — |
§ 02 — Fees · 9
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ATM_DIRECT_CHARGE_FEE | Cash advance | Varies | — | Direct charge fee is levied by the ATM owner. May be payable to the ATM owner when using your card to withdraw or check your balance at a non-Auswide Bank ATM network ATM. |
| EMERGENCY_CARD/EMERGENCY_CASH_DISBURSEMENT_FEE | Cash advance | Varies | — | Unascertainable - as quoted by Visa Global Customer Assistance Service. |
| DISHONOUR_FEE_-_DIRECT_DEBIT_AND_EXTERNAL_PAYMENT | Event | $15 | — | Charged per rejection. Payable when you've arranged a direct debit payment or external payment to an account at another financial institution but there are insufficient clear funds in your account |
| LATE_PAYMENT_FEE | Event | $20 | — | Payable where there is an amount overdue for payment past its due date |
| ANNUAL_FEE | Periodic | $50 | Every 1 yr | Debited to your account on the day your credit card facility is activated and annually on anniversary Under 25's Shareholder of Auswide Bank Hold an Auswide Bank Mortgage |
| CASH_ADVANCE | Transaction | $3.50 | — | This fee is charged for making a cash advance, cash transfer or cash equivalent debit from your account |
| CURRENCY_CONVERSION_FEE | Transaction | 3.00% of transaction | — | Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM |
| RTGS_OUTWARD_PAYMENT_FEE | Transaction | $20 | — | Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for same day payment |
| FOREIGN_ATM_WITHDRAWAL_FEE | Withdrawal | $5 | — | Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account |
§ 03 — Features
Instant paymentsPayIDDigital bankingBalance transfers55 interest-free days
§ 04 — Eligibility & limits
- · Minimum age 18
- · Available to individuals
- · Amount $500 to $50,000
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Auswide Bank Ltd under the Consumer Data Right, last changed by them on 24 June 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.