Police BankCredit Card
A Low Rate VISA Credit Card with a low annual fee and up to 55 days interest free period on purchases.
At a glance
- Purchase rate
- 10.76%
- Cash advance
- 10.76%
- Interest-free days
- 55
- Annual fee
- $30
- Foreign transaction fee
- 3.00%
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 | 10.76% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 9th lowest of 51, level with one other |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 55 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 2nd longest of 42, level with 30 others |
Rates
Every rate Police Bank publishes for this credit card, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | - | - | - | 10.76% | - | - |
| Purchase | - | - | - | 10.76% | - | - |
Fees
20 fees published, grouped by when they're charged.
While you hold it1
- Visa Credit Card Annual Fee$30 a year
When you make a transaction7
- Visa Cash Advance Fee
Visa Cash withdrawal at a merchant using the CR (Credit) facility, another financial institution, or an overseas ATM withdrawal, or any ATM withdrawal from an S14 Visa Credit Card.
$3.80 - External Electronic Periodical Payments
Per transaction that you request Police Bank staff to set up on your behalf.
$1 - Visa International Fees
Payable if and when you use the Visa Card overseas and the transaction is in a foreign currency. All overseas transactions are converted to Australian dollars and are subject to this fee as a percent…
3.00% of transaction - ATM Overseas withdrawal
Visa Cash withdrawal at a merchant using the CR (Credit) facility, another financial institution, or an overseas ATM withdrawal, or any ATM withdrawal from an S14 Visa Credit Card.
$3.80 - Bank@Post Cash Withdrawal fee
Includes; cash withdrawals, declined Bank@Post transactions including incorrect PIN entered, insufficient funds and exceeding withdrawal limits
$2 - Counter Cash withdrawal $25,000 and over
Per Withdrawal
$50 - Counter Cash withdrawal fee up to $24,999
Per Withdrawal
$2
If a payment is late or fails1
- Late Payment Fee
Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Police Bank loans and continuing credit accounts
$10
When particular things happen11
- Additional Statement Fee
$5.00 for Archive Retrieval and $1.50 per page.
$5 - ATM Balance Enquiry fee
At Cost
No fee - Bank Draft
Per Draft
$15 - Default Notice Fee
Payable if and when we send you a default notice for an overdrawn account where an arrears remains unremedied after we have sent you an arrears letter.
$21.50 - Document Retrieval Fee
Minimum $22.77 per hour retrieval fee and minimum $30.00 per hour administrative fee.
No fee - Dormant Accounts fee
After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees and government charges are not classed as transactions.
$10 - Overdrawn Account Fee
Payable when you exceed your credit limit by $75 or more within a calendar month. Interest will also be charged on any amount overdrawn in excess of the approved credit limit at the then current annu…
$15 - Replacement Card Fee
Payable for any second or subsequent request for the replacement of a Visa Card
$10 - Third Party Costs
At Cost. Any costs charged to us from a third party will be passed on to you. Information on these costs is available on request.
No fee - Visa Overseas Emergency Fee
Payable when you request an emergency replacement Visa Card or emergency cash advance overseas.
$175 - Visa Voucher Request
Payable per Visa voucher requested.
$16.50
Features
- Periodical Payments. Can set up Periodical Payments
- Direct Credits. Set regular payments like your pay sent straight to your account
- Bank@Post. Withdraw cash at any participating Australia Post outlets with Bank@POST™
- Direct Debits. Set up Direct Debits from this account
- Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discoun…
- ATM withdrawals. up to $1000
- Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participatin…
- Verified by Visa. Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. As you make a purchase online, Police Bank assesses the risk of the tra…
- Confirmation Of Payee
Eligibility and limits
- Minimum age 18
- Residency: Australian Residents
- Available to individuals
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Published by Police Bank under the Consumer Data Right, last changed by them on 29 July 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.