Defence Bank Limited
Defence Bank Foundation Credit Card
A Visa credit card that gives back. Half of the annual $45 card fee is donated to the Defence Bank Foundation - a charity whose sole beneficiary is Defence Community Dogs.
Credit cardsBank updated 16 Mar 2026
At a glance
- Foreign transaction fee
- 3.00%
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Floating | P&I | — | — | 8.99% | — | Ongoing rate 6 month introductory period. |
| Introductory | P&I | — | — | 3.99% | — | 6 month introductory rate. |
§ 02 — Fees · 15
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Emergency Overseas Visa Cash Advance Fee. | Event | $175 | — | Emergency Overseas Visa Cash Advance Fee. |
| Emergency overseas Visa replacement card | Event | $175 | — | Emergency Overseas Visa Replacement Card Fee. |
| Late Payment Fee. | Event | $20 | — | Fee charged when the payment is received after the due date |
| Notice of Demand | Event | $20 | — | enforcement notice |
| Annual Fee | Periodic | $45 | — | Half of the annual fee is donated to the Defence Bank Foundation - a charity whose sole beneficiary is Defence Community Dogs. |
| Bank@Post Cash Advances. | Transaction | $6.10 | — | Cash advance fee when cash advance is as a Bank@Post transaction |
| BPay | Transaction | $4.10 | — | BPAY transaction. |
| Cash Advances except Bank@Post. | Transaction | $4.10 | — | Cash advance fee (includes withdrawals, electronic transfers). |
| Cheque Dishonour Bank@Post | Transaction | $14.47 | — | For each cheque deposited through the Bank@Post system and subsequently dishonoured. |
| Foreign Currency Conversion Fee, | Transaction | 3.00% of transaction | — | Fee is charged as a percentage of value of transaction. |
| Transfer Fees | Transaction | $4.10 | — | Transfer between accounts within Defence Bank. |
| Transfer Fees | Transaction | $5.10 | — | Electronic Transfer requested online. |
| Transfer Fees | Transaction | $6.10 | — | Electronic Transfer requested at a branch. |
| Outbound Foreign Currency International Telegraphic Transfer. | Withdrawal | $20 | — | When requested via online banking or the mobile app. |
| Outbound Foreign Currency International Telegraphic Transfer. | Withdrawal | $30 | — | When requested at a branch. |
§ 03 — Features
Digital bankingCompatible with digital wallets from Apple, Garmin, Google and Samsung.Replace lost or stolen cards immediately. Using Quick Cards, Members can order a replacement card within the app and be issued with a virtual card that they can add to their digital wallet and use immediately. This removes the stress and inconvenience of having to wait until the physical card arrives to access funds.
- · Same low rate for purchases and cash advances.
- · Lock & Block
- · Annual donation to charity
- · Select your own Pin
- · Bank@Post
- · Minimum repayment
§ 04 — Eligibility & limits
§ 06 — Run the numbers
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Published by Defence Bank under the Consumer Data Right, last changed by them on 16 Mar 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.