The Finance Algorithm
Health Professionals Bank logoHealth Professionals Bank

Credit Card

Use your credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.

Credit cardsBank updated 9 Sept 2026
Apply at Health Professionals Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
11.50%
Cash advance
11.50%
Interest-free days
55
Foreign transaction fee
2.90%
Balance transfer
7.90% for 6 mo
Visa Credit

Rates

Every rate Health Professionals Bank publishes for this credit card, 5 in all.

TypeApplies toTermBandRateComparisonConditions
Balance transfer-6 mo intro-7.90%--
Balance transfer-7 mo intro-11.50%--
Cash advanceCash advance interest rate applies to the amount of cash or its equivalent that is withdrawn or transacted from a credit card account.---11.50%--
IntroductoryIntroductory interest rate applies to balance transfer and purchase transactions for the first 6 months from the date of the Letter of Offer.-6 mo intro-7.90%--
PurchasePurchase interest rate applies to the amount of any transaction with a merchant made on a credit card account.---11.50%--

Fees

6 fees published, grouped by when they're charged.

When you make a transaction3

  • CASH_ADVANCES_FEE

    Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost).

    $4
  • ATM_WITHDRAWALS_OVERSEAS
    $4
  • INTERNATIONAL_CONVERSION_FEE

    2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using yo…

    2.90% of transaction

If a payment is late or fails1

  • LATE_PAYMENT_FEE

    Payable by debit to your account when the minimum payment on a Credit Card account is not received by the due date. Charged once per statement period.

    $10

When particular things happen2

  • CARD_REPLACEMENT_FEE

    Payable when you request a replacement card.

    $10
  • DEFAULT_NOTICE_FEE

    Payable when we send you a default notice asking you to remedy a default under your credit contract.

    $25

Features

Digital bankingBalance transfers55 interest-free daysApple PayGoogle PaySamsung Pay
  • Special Introductory Rate for first 6 months.
  • No application fee
  • No annual fee

Eligibility and limits

  • Minimum age 18
  • Residency: Individuals must be citizens or permanent residents of Australia.
  • Amount $1,000 to $25,000
  • You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. sh…
  • All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or from any of our offices.

Published by Health Professionals Bank under the Consumer Data Right, last changed by them on 9 Sept 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.