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Adelaide Bank offers two credit cards that can help you keep account costs down in different ways. You can avoid interest charges on new purchases made with the 55 days interest-free Visa, or you can save on yearly account costs with the $0 annual fee card.
If you have a home loan with Adelaide Bank, you could also be able to save on interest by linking your credit card to your offset account and using it to pay for your expenses throughout the month. This strategy helps you keep money in your offset account for longer, and can reduce the interest you pay on your home loan as a result.
This credit card has a $30 annual fee and a standard variable interest rate of 19.24% p.a. While this rate is at the higher end of the scale, you can avoid interest charges by making use of up to 55 days interest-free on purchases in each statement period. This is made up of a 30-day statement period (when you’ll make the purchases), plus 25 days to your payment due date. So, if you pay off your full balance by the due date on each statement, your purchases with this card will be interest-free.
This credit card has no yearly account fee and no interest-free days. This means the standard variable interest rate of 17.98% p.a. applies to all new purchases from when they are made. These features could be manageable if you rarely use a credit card and can pay it off quickly. Otherwise, the potential interest charges will quickly add up.
You can apply for a credit card by filling out the enquiry form on the Adelaide Bank website. Make sure you provide your phone number and details of the best time for someone to contact you about the application.
Alternatively, you can apply by calling Adelaide Bank on 1300 652 220. This phone line is staffed between 8am and 8pm (CST) Monday to Friday and 9am-4pm on weekends and public holidays.
Before starting the application, you’ll need to confirm that you meet the eligibility requirements by providing your date of birth and Australian residency status. To continue with the application, you’ll also need to provide the following:
During the application, you may also be asked to provide supporting documentation, such as verified copies of your ID and recent payslips or bills. After that, Adelaide Bank will contact you with an outcome once your application has been fully processed.
Back to topCompare the features of this no-frills credit card from Adelaide Bank, including up to 55 days interest-free on purchases and a $30 annual fee.
While this Adelaide Bank Visa offers a $0 annual fee for life, make sure you weigh up the other costs and features to decide if it will work for you.
With interest-free days on purchases and an offset account-linking option, this card could help you keep costs down across your Adelaide Bank accounts.