Beyond Bank Low Rate Visa Credit Card – Rates & Fees

Information verified correct on January 20th, 2017

Beyond Bank Low Rate Visa credit card gives you an introductory rate of and up to 62 days of interest free purchases.

Beyond Bank customers can enjoy a low rate visa credit card which offers up to 62 days of interest free purchases. The credit card also gives you an interest rate of and you can enjoy quick payments using Visa payWave.

Credit card holders get to enjoy generous credit limits from $1,000 for an annual fee of $49.

Beyond Bank offers a competitive interest rate on purchases of New card holders get to enjoy interest free retail transactions for up to 62 days (this applies if you pay back your balance in full every statement period).

In addition to the competitive rates, card holders can have a simpler time with their purchases using payWave. You are also protected with the Visa Zero Liability Policy against unauthorised purchases and get extra protection with Smart Chip Technology.

About Credit Union Credit Cards

Competitive fees and interest rates

  • Competitive purchase rate of This is a low rate credit card and you get to enjoy competitive interest rates with your purchases.
  • Low annual fee You have access to a wide range of features available for the low annual fee of $49. The annual fee is to be paid at the end of the month which you acquired the credit card and on the same end month every year afterwards.
  • Competitive cash advance fee Card holders also get to benefit from a cash advance rate of only $4. This fee is applicable when you conduct cash advance transactions using this credit card.
  • Low transaction fees There are a host of fees applicable with the credit card and these too are charged a low fee. These fees include: declined transaction fee: $1.25, Bank@Post withdrawals and deposits: $3, default fee: $25 and default notice fee: $20.


  • Smart Chip Protection The credit card features a Smart Chip and this decreases your exposure to card skimming, counterfeiting and other fraudulent activities.
  • Verified by Visa You also get added protection with Verified by Visa which is a Visa check that ascertains that it is indeed the card holder making the transaction.
  • Zero liability policy This feature can be classified as a security feature, as it protects the card holder against dealing with losses that arise from fraudulent use of the credit card. You will not be held liable for purchases or any type of transaction that is made using your account information or credit card.

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Convenience with Visa payWave

  • Wave and go Visa payWave allows you to conveniently make transactions by simply waving your credit card over a PayPass terminal. In other words, you don’t have to swipe or insert the credit card and enter your PIN to pay for your purchases. You have contactless transactions.
  • Applicable for purchases under $100 You can only use payWave to pay for transactions valued at $100 or less.
  • payWave security payWave offers you enhanced security against fraud with the EMV chip technology. Due to the Zero Liability policy, you are assured that you will not undergo losses due unauthorised transactions.

Beyond Bank Low Rate Visa credit card Features

Beyond Bank Low Rate Visa credit card gives you access to the following features:

  • Generous credit limits: Credit limits start from $1,000. Your maximum limit is subject to approval.
  • Annual fee: The annual fee for the low rate Visa card is $49.
  • Interest free days: You have up to 62 interest free days on retail purchases.
  • Interest rates: You have competitive interest rates on purchases of
  • Zero liability policy: All Visa cardholders get to enjoy the Visa Zero Liability Policy which does not hold the credit card holder liable for fraudulent transactions.
  • Smart Chip Protection: You get to enjoy added security against skimming and counterfeiting with Smart Chip Technology.
  • payWave: credit card holders can pay for purchases with ease using the wave and go feature on PayPass terminals.
  • Verified by Visa: Another security feature is Verified by Visa which verifies the identity of the cardholder before processing transactions online.

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How to apply for the Beyond Bank Low Rate Visa Credit Card

You can find the application criteria for this low rate credit card in the table below:

Applicants need to:

  • Be at least 18 years old
  • Provide credit card details in the initial stage of the application

The bank allows you to select your credit limit and you can select if you want to have an additional card holder. Once you are done with the credit card details section, click on ‘start my application.

There are 3 key sections that follow and these are:

  • Your details
  • Income
  • Assets and liabilities

Credit limits must be between $1,000 and . If you don’t have all information requested ready, you can save the application and resume at a later date or time. Make sure that you fill in all required fields failure to which your application will not be successfully submitted.

Apply for the Beyond Bank Low Rate credit card to access rates as competitive as on purchases.

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