Police Bank
Credit Card
A Low Rate VISA Credit Card with a low annual fee and up to 55 days interest free period on purchases.
Credit cardsBank updated 29 July 2026
At a glance
- Purchase rate
- 10.76%
- Cash advance
- 10.76%
- Interest-free days
- 55
- Annual fee
- $30
- Foreign transaction fee
- 3.00%
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | — | — | — | 10.76% | — | — |
| Purchase | — | — | — | 10.76% | — | — |
§ 02 — Fees · 20
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Visa Cash Advance Fee | Cash advance | $3.80 | — | 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. |
| Additional Statement Fee | Event | $5 | — | $5.00 for Archive Retrieval and $1.50 per page. |
| ATM Balance Enquiry fee | Event | No fee | — | At Cost |
| Bank Draft | Event | $15 | — | Per Draft |
| Default Notice Fee | Event | $21.50 | — | 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. |
| Document Retrieval Fee | Event | No fee | — | Minimum $22.77 per hour retrieval fee and minimum $30.00 per hour administrative fee. |
| Dormant Accounts fee | Event | $10 | — | After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees and government charges are not classed as transactions. |
| Overdrawn Account Fee | Event | $15 | — | 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… |
| Replacement Card Fee | Event | $10 | — | Payable for any second or subsequent request for the replacement of a Visa Card |
| Third Party Costs | Event | No fee | — | 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. |
| Visa Overseas Emergency Fee | Event | $175 | — | Payable when you request an emergency replacement Visa Card or emergency cash advance overseas. |
| Visa Voucher Request | Event | $16.50 | — | Payable per Visa voucher requested. |
| Late Payment Fee | Late payment | $10 | — | 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 |
| Visa Credit Card Annual Fee | Periodic | $30 | Every 1 yr | — |
| External Electronic Periodical Payments | Transaction | $1 | — | Per transaction that you request Police Bank staff to set up on your behalf. |
| Visa International Fees | Transaction | 3.00% of transaction | — | 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… |
| ATM Overseas withdrawal | Withdrawal | $3.80 | — | 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. |
| Bank@Post Cash Withdrawal fee | Withdrawal | $2 | — | Includes; cash withdrawals, declined Bank@Post transactions including incorrect PIN entered, insufficient funds and exceeding withdrawal limits |
| Counter Cash withdrawal $25,000 and over | Withdrawal | $50 | — | Per Withdrawal |
| Counter Cash withdrawal fee up to $24,999 | Withdrawal | $2 | — | Per Withdrawal |
§ 03 — Features
Instant paymentsPayIDDigital banking55 interest-free daysGoogle PaySamsung PayApple Pay
- · 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
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Residents
- · Available to individuals
§ 06 — Run the numbers
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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.