Get the Finder app 🥳

Track your credit score


CIRCLE Alliance Bank Visa Credit Card

Last updated:  

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

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .


Product NameCircle Visa Credit Card
Purchase rate14.5% p.a.
Annual fee$60
Interest-free period55 days
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
Annual fee$60
Minimum monthly repayment5% of the closing balance outstanding
Foreign currency conversion fee2%
Cash advance fee3%

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for credit cards and has more than 13 years’ experience writing about personal finance. She has bylines in publications including The Sydney Morning Herald, ABC News and The Equity Magazine. A passionate writer, she’s also acting editor for Finder X and senior writer for Finder Green. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not writing she spends her time as an actress.

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.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site