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Branch closure - Sydney, New South Wales and Melbourne CBD, Victoria. Following the Government’s announcement of stay-at-home restrictions, we've decided to temporarily close our Sydney CBD branch and Melbourne CBD branch. We’ve made this decision to limit the potential risks to our customers and staff and to support the efforts to limit the spread of COVID-19 in the areas under stay-at-home restrictions. While the branches are closed, we’ll be able to help you over the phone on 132 888 Monday to Friday 8am-8pm and Saturday 9am – 2pm AEST. View details


Changes to personal lending applications from Monday 16 August

Personal lending applications for Bank Australia customers.

Bank Australia customers can now apply for personal loans and credit through their internet bankingTo apply, log in to internet banking, click the ‘apply’ tab and choose the product you’re looking for. We'll be in touch to organise your application.

Due to high demand, we’re unable to take your application by phone right now. If you need help, call our lending team on 132 888 and follow the prompts.
Not a Bank Australia customer? We’ll be able to help you soon.

Due to high volume of home loans, personal loan and credit card applications, we’re not accepting new applications from people who aren’t already a customer of ours.

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

Interest rate
12.39% p.a.

effective 1 July 2021

More rates and fees
Credit Card Interest Rate
Variable 12.39% p.a.
Fees and Charges
Cash advance $3.50

Flexible credit card payment options

Our Visa credit card has a competitive rate, no annual fee and up to 55 days interest free.

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 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.

Find out more

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 20/09/2020 however are subject to change at anytime.