Bank AustraliaLow Rate Visa Credit Card
A lower interest rate to reduce your borrowing costs. Great for those who have a carryover balance each month.
At a glance
- Purchase rate
- 12.34%
- Cash advance
- 12.34%
- Annual fee
- $0
- Foreign transaction fee
- 3.00%
- Balance transfer
- 0.00% for 6 mo
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.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 12.34% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 23rd lowest of 51, level with one other |
| No annual feeOngoing purchase rate | 12.34% | 10.99%American Express' Low Rate Credit Card from American Express® | 14.84%of 10 institutions | 2nd lowest of 10, level with one other |
Rates
Every rate Bank Australia publishes for this credit card, 3 in all.
| 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. At the end of the balanc… | - | 6 mo intro | - | 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. | - | - | - | 12.34% | - | - |
| 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. | - | - | - | 12.34% | - | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 2 Nov 2026 | Cash advance | 12.99% | 12.34% | down 0.65 |
| 2 Nov 2026 | Purchase | 12.99% | 12.34% | down 0.65 |
Each change is logged the night it appears in the rates Bank Australia publishes. See how every lender answered the RBA on the rate tracker.
Fees
6 fees published, grouped by when they're charged.
While you hold it2
- Additional Cardholder Fee
You can request that we allow someone else to have a card on your account at no charge
No fee - Annual Fee - Low Rate Credit Card
An annual fee charged on your credit card.
No fee
When you make a transaction3
- Cash Advance Fee - Domestic
A fee charged to any cash advance within Australia through all channels.
$3.50 - Cash Advance Fee - Overseas
Applies to any cash advance made outside Australia, plus the International Transaction Fee (ITF)
$3.50 - International transaction fee (ITF)
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…
3.00% of transaction
When particular things happen1
- Visa emergency card/cash overseas fee
A fee charged when you need an emergency replacement card or cash delivered to you on an urgent basis to an address overseas.
$175
Features
- 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…
Eligibility and limits
- Minimum age 18
- Residency: AU
- Available to individuals
- Amount from $1,000, no maximum
- Each application for credit is subject to our normal lending criteria and approval.
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Published by Bank Australia under the Consumer Data Right, last changed by them on 1 Nov 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.