The Adelaide Bank Zero Days Interest Free Visa Card is no longer available for new applications. However, we've kept the information online for the benefit of existing customers and for those who are interested.
Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.
How to apply
You can apply online by filling out the enquiry form on the Adelaide Bank website. Alternatively, you can apply by calling Adelaide Bank on 1300 652 220 between 8am and 8pm (CST) Monday to Friday and 9am-4pm on weekends and public holidays.
Required documents
Personal information. This includes your full name, date of birth, residential address and residency status.
Identification. You'll need to provide a valid form of ID such as your driver's licence, passport or Medicare card.
Employment. This includes your current role, salary, employer's name and contact details. You may also need to submit recent payslips to confirm these details.
Financial information. You'll need to share details of any assets, such as savings accounts or shares, as well as existing debts, such as credit cards or loans. Along with these details, you'll be asked for an estimate of your ongoing household costs, including rent or mortgage payments and bills.
Card benefits
No annual fee. This credit card doesn't charge a yearly fee, which could help you save on account costs.
Option to link to an offset account. If you have a home loan with Adelaide Bank, you have the option of linking this credit card to your offset account. If you then use your credit card to pay for purchases, it could mean the balance in your offset account stays higher throughout the month. As a result, you could pay less interest on your home loan. You can find out more about how this strategy works in our guide to using a credit card with an offset mortgage account.
Visa benefits. Visa's worldwide network means you can use this card in-store, online or over the phone. You'll also have access to exclusive Visa offers, such as travel and hotel discounts, shopping and dining perks and Visa Entertainment deals.
Rates & fees
Purchase rate. This card's variable purchase rate of 17.98% p.a. is fairly standard when you look at other credit cards that offer no annual fee for life.
Cash advance rate. Cash advances made with this card attract an interest rate of 17.98% p.a. from the time they are made.
Currency conversion fee. If you use this card overseas or online with an international retailer, you'll be charged a fee worth 2% of the transaction total.
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