Adelaide Bank Credit Cards

Adelaide Bank no longer offers credit cards, but you can compare other low cost credit card options here.

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Adelaide Bank

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Adelaide Bank credit cards no longer offered

Adelaide Bank is not offering credit cards at this time. This information has been kept for historical purposes and for those who already have an Adelaide Bank credit card.

Compare other low interest rate credit cards

Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Coles No Annual Fee Mastercard - Exclusive Offer
0% p.a. for 12 months, reverts to 19.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 12 months
Finder Exclusive, ends 30 June 2021
Earn 10,000 bonus Flybuys points and save on interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($59 p.a. thereafter)
0% p.a. for 28 months with 1% balance transfer fee
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
Bankwest Breeze Classic Mastercard
0% p.a. for 15 months, reverts to 9.9% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 15 months
Save with 0% p.a. on purchases and balance transfers for 15 months (with no BT fee). Plus, a $0 first-year annual fee.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($58 p.a. thereafter)
0% p.a. for 30 months
Save with 0% p.a. on balance transfers for 30 months (with no BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
Bendigo Bank Low Rate Credit Card
11.99% p.a.
Up to 55 days on purchases
$45
0% p.a. for 24 months with 2% balance transfer fee
Save with 0% p.a. on balance transfers for 24 months (with a 2% BT fee). Plus a 11.99% p.a. purchase interest rate. Ends 30 June 2021.
St.George Vertigo Classic
13.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 30 months
Save with a 0% interest rate on balance transfers for 30 months (with no balance transfer fee) and a $0 annual fee for the first year.
Coles Low Rate Mastercard
12.99% p.a.
Up to 55 days on purchases
$58
0% p.a. for 15 months
Enjoy a 0% interest on balance transfers for 15 months, with no BT fee. Plus, earn Flybuys points as you spend. Ends 30 June 2021.
Citi Clear Card
14.99% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 15 months
Get $250 cashback when you spend $3,000 within the first 90 days. Plus, a 0% balance transfer offer and first-year annual fee discount.
Bankwest Breeze Platinum Mastercard
0% p.a. for 15 months, reverts to 9.9% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($69 p.a. thereafter)
0% p.a. for 15 months
Get 0% interest on purchases and balance transfers for 15 months, a $0 first-year annual fee and no foreign transaction fees.
ANZ Platinum Credit Card
0% p.a. for 17 months, reverts to 20.24% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($87 p.a. thereafter)
20.24% p.a.
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
NAB Low Rate Credit Card
12.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($59 p.a. thereafter)
0% p.a. for 26 months with 2% balance transfer fee
Get a 0% interest rate on balance transfers for the first 26 months (with 2% BT fee). Plus, save with a $0 first-year annual fee.
St.George Vertigo Platinum - Cashback Offer
12.99% p.a.
Up to 55 days on purchases
$99
6.99% p.a. for 12 months
Get $300 cashback when you spend at least $900 in the first 90 days. Plus, platinum perks and a low purchase rate. Ends 30 June 2021.
American Express Business Explorer Credit Card
3.99% p.a. for 6 months, reverts to 19.99% p.a.
Up to 55 days on purchases
$149
ABN holders w/ $75,000 revenue. Get 100,000 bonus points when you spend $3,000 in the first 3 months. Ends 30 June 2021.
Bank of Melbourne Vertigo Classic
13.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 30 months
Save with a 0% interest rate on balance transfers for 30 months (with no balance transfer fee) and a $0 annual fee for the first year.
BankSA Vertigo
13.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 30 months
Enjoy 0% p.a. for 30 months on balance transfers (with no balance transfer fee), a low purchase rate and a $0 first-year annual fee.
NAB StraightUp Card
N/A
$0
Save with 0% interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
BankSA Vertigo Platinum - Cashback Offer
12.99% p.a.
Up to 55 days on purchases
$99
6.99% p.a. for 12 months
Enjoy a $300 cashback when you spend at least $900 in the first 90 days. Plus, a low ongoing purchase interest rate. Ends 30 June 2021.
St.George Vertigo Classic Rainbow
13.99% p.a.
Up to 55 days on purchases
$55
0% p.a. for 30 months
All the great low cost features of the Vertigo Visa with a rainbow design in support of the LGBT community.
Bank of Melbourne Vertigo Platinum - Cashback Offer
12.99% p.a.
Up to 55 days on purchases
$99
6.99% p.a. for 12 months
Get $300 cashback when you spend at least $900 in the first 90 days. Plus, a low ongoing purchase interest rate. Ends 30 June 2021.
Bankwest Zero Mastercard
14.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 26 months with 2% balance transfer fee
Features an ongoing $0 annual fee and an introductory rate of 0% p.a. for 26 months on balance transfers (with a 2% BT fee).
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Adelaide Bank offered two credit cards designed to 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.

Adelaide Bank Visa with 55 days interest-free

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.

Adelaide Bank Visa with $0 annual fee

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.

Features and benefits you’ll get with an Adelaide Bank credit card

  • Exclusive offers through Visa. Adelaide Bank credit cards give you access to Visa’s range of travel and retail offers, which often includes shopping, dining and hotel deals. You can also enjoy pre-sale ticket deals and competitions through Visa Entertainment.
  • Offset account facility. With this service, you can keep more money in your Adelaide Bank offset account each month by paying for all your expenses with your credit card. At the end of the statement period, your credit card payment will automatically come out of the offset account. If you use your offset account for everyday spending, this strategy allows you to keep money in the account for longer, which can help reduce the amount of interest you pay on your home loan.
  • 24/7 lost or stolen card support. Get round-the-clock support if your card is lost or stolen by calling 1300 652 220 within Australia or +618 8300 6000 when you’re overseas.
  • Online and phone banking. Choose between online and phone banking services to help you keep track of your balance, make payments and manage your accounts. The online banking service also lets you send secure messages to Adelaide Bank so you can quickly update your details or ask a question about your account.
  • Branch banking partnership. If you want to bank in person, Adelaide Bank’s partnership with Bendigo Bank means you can visit any Bendigo Bank branch for withdrawals and deposits, telegraphic transfers or bank cheques.

How can I apply for an Adelaide Bank credit card?

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.

What details will I need to apply?

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:

  • Personal information. This includes your full name, date of birth, residential address, contact information and a valid form of ID, such as your driver’s licence or passport.
  • Employment information. You'll need to provide details of your salary and current employer, as well as any other sources of income (such as government benefits).
  • Financial information. This includes any assets, such as savings or shares, as well as debts and regular expenses including rent, mortgage payments and household bills.

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.

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