Adelaide Bank Visa credit card

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Get up to 55 days interest-free on purchases and worldwide acceptance through the Visa network.

The Adelaide Bank Visa credit card’s interest-free purchase period is made up of a 30-day statement period (when you make purchases) and the 25 days to the payment due date, giving you a maximum of 55 days interest-free for each statement cycle. It also has a low $30 annual fee.

19.24% p.a.

Purchase rate

$30 p.a.

Annual fee

55 days

Interest free period

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Product NameAdelaide Bank Visa Card
Purchase rate19.24% p.a.
Annual fee$30
Interest-free period55 days
Cash advance rate19.24% p.a.
Min credit limit$500
Max credit limit$20,000
Card typeVisa
Foreign currency conversion fee2%
Available to temporary residentsNo
Joint applicationNo


  • Get up to 55 days interest-free on purchases


  • No rewards program or travel insurance
Annual fee$30
Minimum monthly repayment3% of the closing balance or $5, whichever is greater
Late payment fee$35
Foreign currency conversion fee2%
Overseas cash advance fee$4
Overseas ATM withdrawal fee$4

Expert review

Amy Bradney-George

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Adelaide Bank Visa credit card comes with simple features and a $30 annual fee that is on the lower end of the scale. With this card, you can get the maximum 55 days interest-free for purchases made on the first day of a new statement period, with 54 days offered on the second day of that statement period, 53 on the third day and so on.

How to apply

You can apply for the Adelaide Bank Visa credit card by filling out an enquiry form on the bank's website. Alternatively, you can call Adelaide Bank on 1300 652 220 from 8am to 8pm (CST) Monday to Friday and 9am to 4pm on weekends and public holidays. To get started, make sure you have the required documents and details on hand for your application.

Eligibility criteria

  • Personal information. This includes your full name, date of birth, residential address and Australian residency status. You also need to provide a valid form of ID such as your driver's licence, passport or Medicare card details.
  • Employment. This covers your current role, salary, employer's name and contact details. You may also need to submit recent payslips to confirm these details.

Card benefits

  • Interest-free days on purchases. If you pay your statement balance in full by the due date, you'll be able to make interest-free purchases for up to 55 days in the next statement period.
  • Visa benefits. As well as worldwide acceptance through the Visa network, this card gives you access to exclusive shopping, entertainment and experience deals through Visa Offers + Perks.

Rates and fees

  • Annual fee.The $30 annual fee on this card will be charged when you first open the account, then once every 12 months on that anniversary.
  • Purchase rate. This card has a 19.24% p.a. interest rate for purchases, which will apply when your purchases are not eligible for interest-free days. For example, if you don't pay the total owed on a statement by the due date, any remaining balance will begin accruing interest at this rate.

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