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AWA Alliance Bank Basic Blue Credit Card

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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.

11.99% p.a.

Purchase rate

$45 p.a.

Annual fee

55 days

Interest free period

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Product NameAWA Alliance Bank Basic Blue Credit Card
Purchase rate11.99% p.a.
Annual fee$45
Interest-free period55 days
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
Annual fee$45
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$15

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for credit cards and has more than 13 years’ experience writing about personal finance. She has bylines in publications including The Sydney Morning Herald, ABC News and The Equity Magazine. A passionate writer, she’s also acting editor for Finder X and senior writer for Finder Green. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not writing she spends her time as an actress.

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.

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.

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