Visa Credit card

Pay for your purchases and bills securely with our straight forward Visa Credit card that doesn't have an annual fee, provides up to 55 interest free days and offers a competitive interest rate.

Apply now

Two Bank Australia customers talking to each other

No annual fee credit card

Money Magazine's Customer-Owned Bank of The Year 2026

View all awards

19.74%p.a.

Variable interest rate

Effective 18 June 2026

$1,000 minimum credit limit
Up to 55 days interest free
Terms and conditions apply.

Money Magazine's Customer-Owned Bank of The Year 2026

View all awards

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 Experience I have been using Bank Australia for many years, and never regretted mу choice: I appreciate their values, overall focus on the customers and find their services convenient and easy to use.”

Review by Alexey.

See more on Productreview.com.au

No annual fee and competitive variable rate

Pay no annual fee and benefit from our competitive interest rate which applies to both purchases and cash advances.

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 Visa Credit card to Visa Click to Pay for an easy, secure checkout experience.

Up to 55 days interest free

Pay for things using your card and enjoy up to 55 days to pay the amount back without interest.

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 savings account and this one.

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: $0
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 credit card is right for you. See Lending and Credit Card fees, charges and transaction limits.

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Important information

General advice

Information provided is of a general nature only. 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 below and Target Market Determination before making a decision to apply for products with Bank Australia.

Terms, conditions, fees and charges may be applicable as outlined below.

Loans or credit subject to normal lending criteria and approval.

Product disclosure documents

If you wish to change cards, see Switching credit cards terms and conditions.