Health 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
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
§ 01 — Rates · 5
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| 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| Cash advanceCash advance interest rate applies to the amount of cash or its equivalent that is withdrawn or transacted from a credit card account.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% | — | — |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| CASH_ADVANCES_FEE | Cash advance | $4 | — | 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). |
| CARD_REPLACEMENT_FEE | Event | $10 | — | Payable when you request a replacement card. |
| DEFAULT_NOTICE_FEE | Event | $25 | — | Payable when we send you a default notice asking you to remedy a default under your credit contract. |
| LATE_PAYMENT_FEE | Late payment | $10 | — | 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. |
| ATM_WITHDRAWALS_OVERSEAS | Transaction | $4 | — | — |
| INTERNATIONAL_CONVERSION_FEE | Transaction | 2.90% of transaction | — | 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… |
§ 03 — Features
Digital bankingBalance transfers55 interest-free daysApple PayGoogle PaySamsung Pay
- · Special Introductory Rate for first 6 months.
- · No application fee
- · No annual fee
§ 04 — Eligibility & 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.
§ 05 — Compare
§ 06 — Run the numbers
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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.