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Bank Australia open to serve our customers: As an essential service our branches and contact centre remain open to serve our customers with their banking needs during the COVID-19 pandemic. Please use the 'find us' function to view your nearest branch's current operating hours. You can still get in touch with us by phone on 132 888 from 8:00am to 8:00pm, Monday to Friday and 9:00am to 2:00pm Saturday. It may take us longer to answer your call as more customers choose to call rather than come into a branch so thanks in advance for your patience and please take care of yourselves. View details






With our Low Rate Visa Credit Card you pay a low interest rate and receive all the benefits of Visa.

Interest rate
9.39% p.a.

effective 10 September 2020

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

Why choose the Low Rate Visa Credit Card?

A low rate credit card is perfect for people who don't pay off their credit card balance each month. If this sounds like you, then our Low Rate Visa Credit Card could save you money.

  • same interest rate for purchases and cash advances
  • Click to Pay new online checkout logo. with Visa for easy, smart and secure online spending
  • instant transfers between your Bank Australia savings account and credit card
  • 24/7 fraud monitoring
  • access to Apple Pay and Google Pay
  • manage the way you transact with card controls
  • place a temporary lock on your card the moment you think it might be lost or stolen
  • create custom notifications to monitor your card activity
  • be part of a customer owned bank that believes in creating positive social, environmental and cultural outcomes for all.

The fine print

*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 22/10/2019 however are subject to change at anytime.

All Bank Australia VISA debit and credit cards are automatically registered for Verified by VISA. The service is free of charge. To view the Verified by VISA Terms and Conditions brochure, click here.