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UNPLANNED OUTAGE on Monday 21 June 10:15am AEST. We are currently experiencing issues with internet banking and our app. We are looking into this urgently, we apologise for the inconvenience. View details


Changes to personal lending applications from Tuesday 6 April

We’re currently receiving a record number of applications for new personal loans, credit cards and home loans, and our team is working overtime in an effort to meet this demand. 

As we work through this larger than normal volume of applications, online applications for personal loans, car loans and credit cards will be temporarily unavailable from 5pm on Tuesday 6 April. If you’re applying for a Bank Australia home loan, you’ll still be able to lodge your application online as normal. 

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

If you’re an existing Bank Australia customer and you need urgent assistance with personal finance or are experiencing financial hardship, please call us on 132 888 so that we can discuss how best to meet your needs.

Interest rate
9.39% p.a.

effective 1 June 2021

More rates and fees
Credit Card Interest Rate
Variable 9.39% p.a.
Fees and Charges
Low Rate Visa annual fee $59.00
Cash advance $3.50

Flexible credit card payment options

With our Low Rate Visa Credit Card you receive our lowest available credit card interest rate and no late payment fees.

Instant transfers

Make instant transfers between your Bank Australia savings account and credit card.

Card controls

Use card controls to manage how you’d like to transact on your accounts.

24/7 fraud monitoring

 24/7 fraud monitoring to ensure that your money is safe at all times.

Why choose
the Low Rate
Visa Credit Card?

Credit Card Repayments calculator

Calculate your monthly credit card repayments for different amounts, interest rates and fees.

Credit Card support for customers

Explore our security hub and card controls feature.

24/7 Fraud monitoring

24/7 fraud monitoring to ensure that your money is safe at all times.

Find out more

Card controls

Decide what features you want enabled on your card and simply switch them on and off from your app or internet banking.

Find out more

Start using your card

Getting started is simple and fast.

1. Login to the app or internet banking

2. Go to Cards

3. Activate or unlock your card

4. Choose your card PIN

5. Add your card to Apple Pay, Samsung Pay or Google Pay

6. Instantly transfer money into your new account with Osko using either your BSB/account numbers or by setting up your mobile or email as your PayID

Next: learn about Card Controls >

Did you know your choice of bank has a huge impact on the world? 

Find out what we do to support people and the planet.

B Corp

We’re proud members of the B Corp movement, committed to embedding purpose in all aspects of our business. We use banking as a force for good.

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Clean Money

The money in your account is used by banks to make loans and investments - to industries that do good or those that do harm. So where you bank ultimately shapes the world we live in.

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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.

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