BankVic Visa Gold credit card

Pay a low interest rate of 6.99% on balance transfers and purchases for the first 6 months and reward your spending with cash rewards.

You can use the BankVic Visa Gold credit card to save whether you’re paying off an existing debt or making new purchases. New customers can take advantage of an introductory interest rate on balance transfers and purchases for the first 6 months. This card is also linked to a cashback rewards program that rewards you with $1 for every $250 you spend. These features come at the cost of a competitive $50 annual fee.

6.99% p.a.

Balance transfer rate

for 6 months

6.99% p.a.

Purchase rate

for the first 6 months (reverts to 16.95% p.a.)

$50 p.a.

Annual fee

55 days

Interest free period

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Product NameBankVic Visa Gold
Balance transfer rate6.99% p.a. for 6 months
Balance transfer revert ratePurchase Rate (16.95% p.a.)
Purchase rate6.99% p.a. for 6 months, reverts to 16.95% p.a.
Annual fee$50
Interest-free periodUp to 55 days on purchases
Cash advance rate16.95% p.a.
Min credit limit$5,000
Max credit limit$30,000
Card typeVisa
Foreign currency conversion fee3.65%
Available to temporary residentsNo
Joint applicationNo


  • Charges a competitive annual fee of $50
  • 6.99% p.a. on purchases and balance transfers for the first 6 months
  • Comes with international travel insurance and a 24/7 access to online and phone banking services


  • Other cards offer 0% on balance transfers or purchases for longer introductory periods
Bonus pointsN/A
Annual fee$50
Minimum monthly repayment2.5% of the closing balance or $20, whichever is greater
Late payment fee$15
Foreign currency conversion fee3.65%
Cash advance fee$4
Overseas cash advance fee$4
Number of additional cardholders1

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The BankVic Visa Gold credit card combines cost-saving features with cashback rewards. However, there are other cards offering 0% on balance transfers or purchases for longer introductory periods, so you should make sure to compare your options.

How to apply

You can apply for the BankVic Visa Gold credit card online in around 5 minutes as long as you meet the eligibility criteria and have the necessary details to complete the application.

Eligibility criteria

  • Credit history. You must have a good credit history with no evidence of bankruptcy, insolvency or defaults in the last five years.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • Introductory interest rate. You can save with an introductory 6.99% interest rate on purchases, balance transfers and cash advances in the first 6 months. After this, any remaining balances will attract the standard 16.95% p.a. interest rate.
  • Cash rewards program. You can earn $1 in cash rewards for every $250 you spend using your card. The cashback rewards will be debited to your account, where you can use them to shop wherever EFTPOS transactions are accepted.

Rates & fees

  • Annual fee. The BankVic Visa Gold credit card charges a $50 annual fee.
  • Interest-free days. When you pay your balance in full by the statement due date, you can make use of up to 55 interest-free days on purchases.

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