Beyond Bank AustraliaLow Rate Credit Card
Enjoy the benefits of our Low Rate Credit Card and receive up to 62 days interest free days on purchases or take advantage of our balance transfer offer.
At a glance
- Purchase rate
- 12.49%
- Cash advance
- 12.49%
- Interest-free days
- 62
- Annual fee
- $59
- 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.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 12.49% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 25th lowest of 51, level with one other |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 62 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | Longest of 42 |
Rates
Every rate Beyond Bank Australia publishes for this credit card, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferFor a limited time, this offer is available on balance transfers for a 12 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit cards… | P&I | - | - | 0.00% | - | - |
| Balance transferFor a limited time, this discounted rate is available on balance transfers for a 6 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from cre… | P&I | - | - | 4.99% | - | - |
| Cash advanceThis interest rate applies to cash advance transactions made using your Low Rate Visa Credit Card. | P&I | - | - | 12.49% | - | - |
| PurchaseThis interest rate applies to purchases made using your Low Rate Visa Credit Card.Up to 62 interest free days available on purchases. Conditions apply. | P&I | - | - | 12.49% | - | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 13 Oct 2026 | Cash advance, P&I | 11.99% | 12.49% | up 0.50 |
| 13 Oct 2026 | Purchase, P&I | 11.99% | 12.49% | up 0.50 |
Each change is logged the night it appears in the rates Beyond Bank Australia publishes. See how every lender answered the RBA on the rate tracker.
Fees
5 fees published, grouped by when they're charged.
While you hold it1
- Annual Card Fee
This fee is payable at the end of the month in which your account is opened and every 12 months thereafter.
$59 a year
When you make a transaction3
- Bank@Post Deposit Fee
This fee is payable for Bank@Post deposits made at participating Australia Post Offices.
$2 - Bank@Post Withdrawal Fee
This fee is payable for Bank@Post withdrawals made at participating Australia Post Offices.
$4 - Cash Advance Fee
This fee is payable whenever you perform a cash advance transaction of your visa credit card.
$4
When particular things happen1
- Default Notice Fee
This fee is payable whenever we send you a default notice because you have defaulted under the contract.
$20
Features
- AutoPay: you can choose to automatically pay a set amount, the minimum monthly payment or the total balance every month.
Eligibility and limits
- Minimum age 18
- Residency: Australian Citizen
- Available to individuals
- Amount $1,000 to $80,000
- Lending criteria applies.
- Membership: You must be or become a Beyond Bank Australia member
Compare it with others
Put this product through a calculator
Published by Beyond Bank Australia under the Consumer Data Right, last changed by them on 14 Oct 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.