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2022-04-28 10:05 am
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Low Rate Visa Credit card

Our lowest rate credit card comes with no late payment fees and a low annual fee.

Changes to personal lending applications from Monday 16 August

Personal lending applications for Bank Australia customers.

Bank Australia customers can now apply for personal loans and credit through their internet banking. To apply, log in to internet banking, click the ‘apply’ tab and choose the product you’re looking for. We'll be in touch to organise your application.

Due to high demand, we’re unable to take your application by phone right now. If you need help, call our lending team on 132 888 and follow the prompts.

Not a Bank Australia customer? We’ll be able to help you soon.

Due to high volume of home loans, personal loan and credit card applications, we’re not accepting new applications from people who aren’t already a customer of ours.

We’re in the process of scaling up to meet this demand so we can resume online applications as soon as possible. We’ll keep you up to date on when applications will resume.

Our lowest credit card rate

Variable interest rate
Effective 24 May 2022
$1,000 minimum credit limit 
Low annual fee $59
No hidden fees and charges. Terms and conditions apply.

Who it's for?

  • People aged 18+
  • People living in Australia, either permanently or temporarily
  • People with a regular source of income

Is this product right for you? Find out more

What you get

"We are proud to be with Bank Australia knowing it’s an ethical choice that supports a healthy environment."
Marnee and Diego from NSW

Our lowest interest rate

Enjoy the lowest interest rate of any of our credit cards. This rate applies to both purchases and cash advances.

Instant transfers

Pay off your credit card in a flash with instant transfers between your Bank Australia transaction account and this one.

Shop securely online

Add your Low Rate Visa Credit card to Visa Click to Pay for an easy, secure checkout experience.

Get handy notifications

Set up custom notifications in the app or internet banking so you don’t miss a beat about card repayments and spending.

Lock your card

In the app or internet banking, place a temporary lock on your card the moment you think it might be lost or stolen.

Compare our credit cards and repayments

Our cards come with different interest rates and fees. Use this calculator to compare them side by side.

Want clean money?

Get started in less than 5 minutes – all you need is your driver’s licence or passport, and Medicare card.


Fees and charges

Here’s what to expect with our Low Rate Visa Credit card:

  • Annual fee $59
  • Cash advance $3.50
  • Foreign currency conversion (% transaction value) 3%

It pays to know. Read the Product Disclosure Document and Key Fact Sheet to help you decide if this card’s right for you. See all rates and fees.

Money, People & Planet

See more at the Bank Australia blog

Important information

*In providing you with this information you should consider the appropriateness of this advice with regards to your particular financial situation and needs. You should consult the Product Disclosure Documents and Key Fact Sheet before making a decision to apply for products with Bank Australia.

Rates apply to new applications received from 10/09/2020 however are subject to change at anytime.