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2023-12-22 2:05 pm

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2023-06-23 12:09 pm

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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.

Apply now

Rates Why us?Who it's for?What you get Fees and charges Apply

Our low rate credit card rate

Finder Green Awards 2023
Green Bank of the Year

See more reviews

12.99% p.a.

Variable interest rate

Effective 5 December 2024

$1,000 minimum credit limit
Annual fee $59
Terms and conditions apply.

Why us?

Be the change
What if a portion of your interest payments helped other people and the planet? When you bank with us, it does.
Card controls
Manage your card's security and your spending by turning card features on or off, like payWave, in the app or internet banking.
24/7 monitoring
We work to keep your money safe with 24/7 fraud monitoring. If we spot something suspicious, we’re onto it fast.

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

“Great service. They made applying for a credit simple and stress-free, thank you!.”

Review by Kate.

See more on Productreview.com.au

Our lowest interest rate credit card

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.

Balance transfers

We offer 0% for 6 months on balance transfers with our Low Rate Visa Credit Card.

Shop securely online

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

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

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Increasing accessible housing in regional Australia through impact lending

Sustainable Christmas gifts for 2024

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.