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Credit card rates and fees

See our latest variable credit card rates and the fees that may apply for personal and business customers. 

Credit card comparison

Effective 30 November 2023
Low Rate Visa Credit card
Visa Credit card
Platinum Rewards Visa Credit card
Purpose
A lower interest rate to reduce your borrowing costs. Great for those who have a carry over balance each month.
No annual fee and interest fee days to reduce your card costs. Great for those who pay off their card in full each month.
Be rewarded for your spending with Qantas Points. Great for those who pay their card in full each month and are a Qantas Frequent Flyer member.
Minimum credit limit
$1000
$1000
$1000
Minimum repayments
Minimum monthly repayments of 2.5% or $20, whichever is greater.
Minimum monthly repayments of 2.5% or $20, whichever is greater.
Minimum monthly repayments of 2.5% or $20, whichever is greater.
Interest rate on purchases
9.39
%
12.39
%
18.24
%
Number of interest free days
0
Up to 55 days
Up to 55 days
Annual fee
$59
$0
$189 (unless waived - see 1)
Additional cardholder annual fee
$0
$0
$59
Rewards
No
No
Yes
Cash advance fee – overseas
$3.50 plus the International Transaction Fee.
$3.50 plus the International Transaction Fee.
$5 plus the International transaction fee
Cash advance fee - domestic
$3.50
$3.50
$5
International transaction fee
3%
3%
3%

Things you need to know

  1. The next Annual Fee on your Platinum Rewards Visa Card is waived if at the date we approve your application for credit you have a Premium Home Loan Package or Clean Energy Home Loan. The waiver is only applicable for one eligible card account in the name of the package holder.

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from www.bankaust.com.au

The terms on which the credit cards are offered can change over time. To confirm this information is correct you may wish to visit www.bankaust.com.au or call us on 132 888.