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Low Rate Visa Credit card

Our lowest rate credit card to help you manage your cash flow over an extended period.

Our lowest credit card rate

Finder Green Awards 2023
Green Bank of the Year
See more reviews
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Variable interest rate
Effective 30 November 2023
$1,000 minimum credit limit 
Annual fee $59
Terms and conditions apply.

Why us?

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

“Switched to Bank Aust for the low interest rates, but will stay because of the fantastic service.”
Michael from SA

Our lowest interest rate

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

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, or you don't want it to be used.

Instant transfers

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

Get instant card notifications

Set up notifications in the app or internet banking so you know when your card is being used.  You can also set reminders for your card payments.

Shop securely online

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

Start your application now

Apply for a credit card. All you need is your driver's licence or passport, and your Medicare card, to get started.

Apply now

Fees and charges

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

  • Annual fee: $59
  • Cash advance: $3.50
  • International transaction fee: 3% of the transaction value

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
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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.