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Border Bank Visa Credit Card

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Pay a low purchase rate, plus save with $0 first-year annual fee and 0% interest on balance transfers for 12 months.

The Border Bank Visa Credit Card is a low cost product that offers a low purchase rate, up to 55 days interest-free and a low annual fee, which is waived for the first year. Being a Visa credit card, it also has a range of benefits offered by Visa which makes your card safer to use and means it's accepted all over the world.

0% p.a.

Balance transfer rate

for 12 months

10.76% p.a.

Purchase rate

$0 p.a.

Annual fee

for the first year ($30 p.a. thereafter)

55 days

Interest free period


Product NameBorder Bank Visa Credit Card
Balance transfer rate0% p.a. for 12 months
Balance transfer revert ratePurchase Rate (10.76% p.a.)
Balance transfer limit95% of available limit
Purchase rate10.76% p.a.
Annual fee$0 annual fee for the first year ($30 p.a. thereafter)
Interest-free period55 days
Cash advance rate10.76% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • $0 first year annual fee
  • 0% on balance transfers for the first 12 months, with no balance transfer fee
  • Offers one of the lowest purchase rates on the market


  • Not linked to any rewards program, meaning you won't earn rewards points for spending
Bonus pointsN/A
Annual fee$0 annual fee for the first year ($30 p.a. thereafter)
Minimum monthly repayment2.5% of the closing balance or $5, whichever is greater
Late payment fee$10
Foreign currency conversion fee3%
Overseas cash advance fee3.8%
Overseas ATM withdrawal fee$3.80

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Border Bank Visa credit card offers one of the lowest purchase interest rates on the market. This could help you save if you regularly carry a balance from month to month. You can also cut costs with a low annual fee of $30, which is waived in the first year you hold the card.

How to apply

You can apply for the Border Bank Visa credit card online. Before you apply, make sure to check if you meet the eligibility criteria and have the necessary information to complete the PDF application.

Eligibility criteria

  • Age. This card is only available to people who are at least 18 years old.
  • Credit history. You must have a good credit score and history.

Card benefits

  • 0% balance transfer offer. You can get your debt under control with 0% p.a. on balance transfers for 12 months. You can transfer debts up to 95% of your approved credit limit from non-Border Bank accounts. At the end of the promotional period, any remaining debt will attract the 10.76% interest rate.
  • $0 first-year annual fee. The annual fee is waived in the first year. This reverts to $30 p.a. after that.

Rates & fees

  • Interest rate. Your purchase and cash advance transactions will attract a 10.76% interest rate.
  • Interest-free days. You can access up to 55 interest-free days on purchases when you pay your balance in full by the statement due date. You won't be eligible for interest-free days if you're paying off a balance transfer debt.
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