CIRCLE Alliance Bank Visa Credit Card

Get up to 55 days interest-free on purchases and a competitive interest rate of 14.5% p.a.

The CIRCLE Alliance Bank Visa Credit Card gives you the global acceptance of Visa coupled with a competitive interest rate. It has a monthly account fee of $5, equivalent to a $60 annual fee.

14.5% p.a.

Purchase rate

$60 p.a.

Annual fee

55 days

Interest free period

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Product NameCircle Visa Credit Card
Purchase rate14.5% p.a.
Annual fee$60
Interest-free periodUp to 55 days on purchases
Cash advance rate14.5% p.a.
Min credit limit$500
Max credit limit$15,000
Card typeVisa
Foreign currency conversion fee2%
Available to temporary residentsNo
Joint applicationNo


  • Low interest rate of 14.5% p.a. on purchases and cash advances
  • Up to 55 days interest-free on purchases


  • No rewards program or travel insurance
Bonus pointsN/A
Annual fee$60
Minimum monthly repayment5% of the closing balance outstanding
Foreign currency conversion fee2%
Cash advance fee3%

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The CIRCLE Alliance Bank Visa is a simple credit card that offers competitive rates and fees. It’s 14.5% interest rate applies to both purchases and cash advances, meaning you don’t have to keep track of different interest rates if you use your card for a variety of transactions. If you have a CIRCLE Alliance Bank Employees Benefits Savings Account (S31), you can also get a lower interest rate of 12.20% p.a. for this card (and no account-keeping fees).

How to apply

You can apply for this CIRCLE Alliance Bank credit card online by filling out a secure application form. Before you apply, make sure you meet the following requirements:

Eligibility criteria

  • Age. You must be at least 18 years of age.
  • Credit limit. You must be able to service the minimum credit limit of $500.

Card benefits

  • Interest-free days. Get up to55 days interest-free on purchases when you pay your account balance in full by the due date on each statement.
  • Mobile wallets. You can use your CIRCLE Visa Credit Card to make contactless payments with your smartphone or compatible devices via Apple Pay, Google Pay and Samsung Pay.

Rates & fees

  • Annual fee. This account has a $5 monthly fee. This means you will pay $60 a year for the CIRCLE Visa Credit Card.
  • Interest rate. This card has a variable rate of 14.5% p.a. for purchases and cash advances.

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