Circle Visa Credit Card

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Get the global acceptance of a Visa with a low purchase and cash advance rate of interest.

The Circle Visa Credit Card gives you the global acceptance of visa coupled with a competitive purchase and cash advance rate of interest. If you hold another account with Circle Credit Union, like a home loan, you’re eligible to receive a further discount on the purchase and cash advance rate. You can secure your credit card against your home loan to get a discount. But you don’t have the have a loan or another account with Circle Credit Union to apply for this credit card. Our Circle Visa Credit Card review outlines the fees, rates and features of this account.

14.5% p.a.

Purchase rate

$60 p.a.

Annual fee

55 days

Interest free period


Product NameCircle Visa Credit Card
Balance Transfer Revert RateCash Advance Rate (14.5% p.a.)
Balance Transfer Limit100% of available balance
Purchase rate (p.a.)14.5% p.a.
Annual fee$60 p.a.
Interest Free Period55 days
Cash advance rate (p.a.)14.5% p.a.
Min credit limit$500
Max credit limit$15,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)2% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
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
Annual fee$60 p.a.
Minimum Monthly Repayment5% of the closing balance outstanding
Foreign Currency Conversion Fee (Visa/Mastercard)2% of transaction value
Cash Advance Fee3%

How to apply

Before you apply for the Circle Visa Credit Card, 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

  • $5 monthly fee. Although this is technically classified as an annual fee, the account service fee is a monthly charge. You will pay $5 monthly to keep this account.
  • Purchase rate and cash advance rate of interest. Unlike most other credit cards, the purchase rate of interest and the cash advance rate of interest are the same with this account. Pay the same rate of interest on the purchases you make with the card as well as cash withdrawals from an ATM. The variable interest rate for purchases and cash advances is 14.5% p.a.

Rates & fees

  • Annual fee. This account charges a fee of $5 monthly. You will pay $60 a year to keep the Circle Visa Credit Card.
  • Purchase rate. The purchase rate of interest with this account is a low variable rate of 14.5% p.a.

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