AWA Alliance Bank Basic Blue Credit Card

Enjoy a low interest rate of 11.99% p.a. on purchases, plus a competitive annual fee with a Basic Blue Credit Card.

This low-cost credit card from AWA Alliance Bank charges the same interest rate of 11.99% on all purchase and cash advance transactions. It also has a competitive annual fee of $45 and up to 55 interest-free days on purchases.

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Product NameAWA Alliance Bank Basic Blue Credit Card
Purchase rate11.99% p.a.
Annual fee$45
Interest-free periodUp to 55 days on purchases
Cash advance rate11.99% p.a.
Min credit limit$500
Card typeVisa
Available to temporary residentsNo
Joint applicationNo


  • A low variable interest rate of 11.99% p.a. on purchases and cash advances
  • Up to 55 days interest-free on purchases.


  • Does not offer a rewards program or travel insurance covers
Bonus pointsN/A
Annual fee$45
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$15

How to apply

You can apply for the AWA Alliance Bank Basic Blue Credit Card online by filling out a secure application form. To get started, make sure you meet the eligibility criteria and have all the required documents handy.

Eligibility criteria

  • Age. You must be at least 18 years old.
  • Residency. You must be an Australian citizen or permanent resident of Australia.

Card benefits

  • Low interest rates. This card charges a low interest rate of 11.99% p.a. on purchases and cash advances.
  • Visa benefits. Get access to exclusive offers on travel, entertainment, shopping and dining through Visa Offers + Perks.

Rates & fees

  • Low annual fee. The Basic Blue credit card charges a competitive annual fee of $45.
  • Up to 55 interest-free days. Get up to 55 days interest-free on purchases when you pay your balance in full by the statement due date.

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 AWA Alliance Bank Basic Blue credit card offers low-cost features, with a 11.99% p.a. interest rate and an annual fee of $45. While both of these rates are competitive with other low rate cards, keep in mind that some credit cards offer 0% interest rates – so make sure you compare a few options before choosing a card that fits your goals.

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