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Credit card rates and fees

The latest rates and fees for our credit card products.

Home loansPersonal and car loansCredit cards

Credit card comparison

Effective 1 December 2025

Low Rate Visa Credit card

Visa Credit Card

Platinum Rewards Visa Credit Card

Purpose

A lower interest rate to reduce your borrowing costs. Great for those who have a carry over balance each month.

No annual fee and interest fee days to reduce your card costs. Great for those who pay off their card in full each month.

Be rewarded for your spending with Qantas Points. Great for those who pay their card in full each month and are a Qantas Frequent Flyer member.

Minimum credit limit

$1,000

$1,000

$1,000

Minimum repayments

Minimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance

Minimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance

Minimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance

Interest rate on purchases

12.99
%
19.74
%
20.24
%

Interest rate on cash advances

12.99
%
19.74
%
20.24
%

Number of interest free days on purchases

0

Up to 55 days

Up to 55 days

Annual fee

$0

$0

$189 (unless waived - see1)

Additional cardholder annual fee

$0

$0

$0

Rewards

No
No
Yes

Balance transfer2

0% for 6 months

No
No

Cash advance fee - overseas

$3.50 plus the International Transaction Fee.

$3.50 plus the International Transaction Fee.

$5 plus the International Transaction Fee.

Cash advance fee - domestic

$3.50

$3.50

$5

International transaction fee

3%

3%

3%

Visa emergency card/cash overseas fee

US$175

US$175

US$175

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Learn more about Premium Home Loan package

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Learn more about Clean Energy Home Loan

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Lending and Credit Card fees, charges and transaction limits
Commercial Visa Credit card is currently closed to applications for new customers.

Things you need to know

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.

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from our Lending and Credit Card fees, charges and transaction limits

The terms on which the credit cards are offered can change over time. To confirm this information is correct you may wish to visit our disclosures or call us on 132 888.

Product disclosure documents

Notes

  1. The next Annual Fee on your Platinum Rewards Visa Card is waived if at the date we approve your application for credit you have an Offset Home Loan or Clean Energy Home Loan. The waiver is only applicable for one eligible card account in the name of the home loan holder for the life of the loan.
  2. The 0% balance transfer applies to external balances only.