B&E Visa Credit Card – Rates & Fees

Information verified correct on December 4th, 2016

Get up to 57 days interest-free on purchases and balance transfers and pay a low ongoing rate

The B&E Visa Credit Card is a no-frills credit card that you can use at more than 24 million outlets the world over. This card offers as many as 57 interest-free days, which apply to both purchases and balance transfers. You can link this card with up to 2 other B&E accounts and minimise the number of cards you carry. B&E offer a wide number of benefits with this card — find out more about them on the page below.

Product NameB&E Visa Credit Card
Maximum Balance Transfer Amount95% of the approved credit limit
Purchase rate (p.a.)12.99% p.a.
Annual fee$39 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 57 days on purchases
Cash advance rate (p.a.)19.99% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$500
Minimum Monthly Repayment3% or $10, whichever is greater
Card TypeVisa
Late Payment Fee$35
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$500
Annual Fee$39 p.a.
Minimum Repayment3% or $10, whichever is greater
Late Payment Fee$35
Over Limit Fee$35
Cash Advance Fee$5
Overseas Emergency Replacement$120
Overseas ATM Withdrawal Fee$5
Gambling Transactions AllowedNo
Number of Additional Cardholders2
BPAYYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes

B&E Visa Credit Card review

If you’re looking for a basic credit card that charges a low ongoing rate, take a look at what the B&E Visa Credit Card has to offer. If you use this card in the right manner you can get up to 57 interest-free days on purchases, and these apply to balance transfers as well. You can also access your funds and account-related information in various ways.

Benefits of the B&E Visa Credit Card

  • Low rate. This basic credit card doesn't offer premium features, and this is why it manages to charge a low ongoing rate of 12.99% p.a. on purchases. Its cash advance rate, currently 19.99% p.a. is also very competitive.
  • Balance transfer offer. Pay off existing credit card debt with B&E — transfer a minimum of $500 and use up to 95% of the approved credit limit. Your balance transfer will be treated the same as a purchase with respect to the interest rate it's charged and also in terms of being eligible for interest-free days.
  • Link multiple accounts. You have the ability to link 2 more B&E accounts to this credit card. Access your credit limit and your own funds with the convenience of just carrying just one card.

B&E Visa Credit Card features

  • Annual fee. This card attracts a fairly nominal annual fee of $39, which you have to keep paying for the life of the card.
  • Interest-free days. You can get up to 57 interest-free days on purchases if your pay your account’s closing balance in full by the due date mentioned on your statement. This applies to balance transfers, too.
  • Balance transfers. B&E treats balance transfers the same way as purchases, meaning you can manage your repayments easily with all the debt you have on your card.
  • Additional cards. You can nominate up to 2 individuals to receive additional cards. These individuals should be over 16 years of age and B&E clients. You remain liable for all transactions made using additional cards linked to your primary card.
  • Visa payWave. This card is payWave enabled, which allows you to make contactless payments up under $100 at merchants who support this technology.
  • Multiple access options. To access funds, you can turn to any EFTPOS terminal or ATM that displays the Visa logo anywhere in the world, and you can also use this Visa card to make online and over-the-phone transactions. To check your account details, you can turn to online banking, mobile banking, phone banking, or by visiting any B&E branch.
  • Online card security. When you use your B&E Visa Card for online transactions, you receive protection through Verified by Visa, an online security program.
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How to apply for the B&E Visa Credit Card

You can apply for the B&E Visa Credit Card online, or by visiting any B&E branch.

Eligibility criteria

  • You are over 18 years of age
  • You are not a US citizen or Politically Exposed Person

Required documentation

  • Your personal information and contact details
  • The contact details of a relative or friend who doesn't live with you
  • Your current employer’s contact details
  • Details about existing your existing financials like income, loans, credit cards, and overdrafts

Consider applying for this credit card if you’re not looking for much other than a low ongoing rate and a balance transfer offer, but given that other cards offer these features, comparing the B&E Visa Card with a few others is in your best interest.

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2 Responses to B&E Visa Credit Card – Rates & Fees

  1. Default Gravatar
    Peter | July 23, 2015

    I have a B and E debit Visa card what are the overseas transaction fees if I withdraw cash from an ATM in Thailand?

    • Staff
      Jonathan | July 23, 2015

      Hi Peter, thanks for your inquiry!

      The overseas ATM withdrawal fee is $5.

      Cheers,

      Jonathan

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Rates last updated December 4th, 2016
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