Beyond Bank Australia
Low 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.
Credit cardsBank updated 31 Aug 2026
At a glance
- Purchase rate
- 11.99%
- Cash advance
- 11.99%
- Interest-free days
- 62
- Annual fee
- $59
- Balance transfer
- 0.00%
§ 01 — Rates · 4
| 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 or st… | 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 advance | P&I | — | — | 11.99% | — | — |
| PurchaseUp to 62 interest free days available on purchases. Conditions apply. | P&I | — | — | 11.99% | — | — |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Default Notice Fee | Event | $20 | — | — |
| Annual Card Fee | Periodic | $59 | Every 1 yr | This fee is payable at the end of the month in which your account is opened and every 12 months thereafter. |
| Bank@Post Deposit Fee | Transaction | $2 | — | — |
| Bank@Post Withdrawal Fee | Transaction | $4 | — | — |
| Cash Advance Fee | Transaction | $4 | — | — |
§ 03 — Features
Instant paymentsPayIDDigital bankingBalance transfers62 interest-free days4 additional cardsMobile Wallet
- · AutoPay: you can choose to automatically pay a set amount, the minimum monthly payment or the total balance every month.
§ 04 — Eligibility & 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
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Beyond Bank Australia under the Consumer Data Right, last changed by them on 31 Aug 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.