The Finance Algorithm
A-Auswide Bank logoA-Auswide Bank

LOW RATE VISA CREDIT CARD

A low rate credit card

Credit cardsBank updated 24 June 2026
Product page ↗Fees and pricing ↗Terms ↗

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%

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 9.74%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers9.74%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions3rd lowest of 51
Interest-free daysDays without interest on purchases when the balance is paid in full55 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions2nd longest of 42, level with 30 others

Rates

Every rate A-Auswide Bank publishes for this credit card, 3 in all.

TypeApplies toTermBandRateComparisonConditions
Balance transfer---0.00%--
Cash advance---9.74%--
Purchase---9.74%--

Fees

9 fees published, grouped by when they're charged.

While you hold it1

  • ANNUAL_FEE

    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

    $50 a year

When you make a transaction6

  • ATM_DIRECT_CHARGE_FEE

    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.

    Varies
  • EMERGENCY_CARD/EMERGENCY_CASH_DISBURSEMENT_FEE

    Unascertainable - as quoted by Visa Global Customer Assistance Service.

    Varies
  • CASH_ADVANCE

    This fee is charged for making a cash advance, cash transfer or cash equivalent debit from your account

    $3.50
  • CURRENCY_CONVERSION_FEE

    Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM

    3.00% of transaction
  • RTGS_OUTWARD_PAYMENT_FEE

    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

    $20
  • FOREIGN_ATM_WITHDRAWAL_FEE

    Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account

    $5

When particular things happen2

  • DISHONOUR_FEE_-_DIRECT_DEBIT_AND_EXTERNAL_PAYMENT

    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

    $15
  • LATE_PAYMENT_FEE

    Payable where there is an amount overdue for payment past its due date

    $20

Features

Instant paymentsPayIDDigital bankingBalance transfers55 interest-free days

Eligibility and limits

  • Minimum age 18
  • Available to individuals
  • Amount $500 to $50,000

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.