Bank Australia
Low Rate Visa Credit Card
A lower interest rate to reduce your borrowing costs. Great for those who have a carryover balance each month.
Credit cardsBank updated 10 Apr 2026
At a glance
- Purchase rate
- 12.99%
- Cash advance
- 12.99%
- Annual fee
- $0
- Foreign transaction fee
- 3.00%
- Balance transfer
- 0.00%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer0% for 6 months. You can request to transfer the balance of another Banks's credit card to your Bank Australia Low Rate Visa Credit Card, to help you reduce interest charges. | — | — | — | 0.00% | — | — |
| Cash advanceMinimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance. | — | — | — | 12.99% | — | — |
| PurchaseMinimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance. | — | — | — | 12.99% | — | — |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee - Domestic | Cash advance | $3.50 | — | A fee charged to any cash advance within Australia through all channels. |
| Cash Advance Fee - Overseas | Cash advance | $3.50 | — | Applies to any cash advance made outside Australia, plus the International Transaction Fee (ITF) |
| Additional Cardholder Fee | Event | No fee | — | You can request that we allow someone else to have a card on your account at no charge |
| Annual Fee - Low Rate Credit Card | Periodic | No fee | Every 1 yr | An annual fee charged on your credit card. |
| Visa emergency card/cash overseas fee | Replacement | $175 | — | A fee charged when you need an emergency replacement card or cash delivered to you on an urgent basis to an address overseas. |
| International transaction fee (ITF) | Transaction | 3.00% of transaction | — | When you undertake an International transaction on a Bank Australia Visa Debit Card you will be charged the fee. An International transaction is any purchase, withdrawal or credit in a currency other… |
§ 03 — Features
Digital bankingBalance transfersGoogle, Samsung and Apple Pay available
- · Card Controls: Decide the features you want enabled on your card including card lock, digital wallet, pay wave, international transactions, ATM withdrawals or online/instore transactions and simply s…
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: AU
- · Available to individuals
- · Amount $1,000 to no maximum
- · Each application for credit is subject to our normal lending criteria and approval.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Bank Australia under the Consumer Data Right, last changed by them on 10 Apr 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.