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Australian Military Bank Credit Cards

Find out about the low-cost credit card options you can get with Australian Military Bank.

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Australian Military Bank

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Australian Military Bank offers one credit card option – a low rate Visa. This card offers competitive rates and fees, interest-free days on purchases and can be applied for by any Australian citizen or permanent resident. You can use this guide to learn more about the card, as well as other features you can get as a member of Australian Military Bank.

Comparison of Australian Military Bank Credit Cards

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Australian Military Bank Low Rate Visa Credit Card
11.99% p.a.
Up to 45 days on purchases
$49
0% p.a. for 12 months
Enjoy a 0% p.a. for 12 month balance transfer offer with no BT fee, up to 45 days interest-free on purchases, add an additional cardholder for $0.
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Types of Australian Military Bank credit cards

  • Low rate credit card

The Australian Military Bank Low Rate Visa has an 11.99% p.a. variable interest rate that is competitive with other low rate cards. If you have an existing Australian Military Bank home loan, you could also be eligible for a promotional interest rate of 9.99% p.a. for purchases. This card also has a 0% p.a. balance transfer offer and an annual fee of $49

The benefits of banking with Australian Military Bank

Some of the benefits you can get with an Australian Military Bank credit card include:

  • Balance transfer offer

If you want to pay off existing credit card debt, the Australian Military Bank Low Rate Visa offers 0% p.a.on balance transfers for 12 months. At the end of this period the outstanding balance attracts the card’s purchase rate. In comparison, some other cards revert to a higher cash advance rate.

  • Visa benefits

You can use the Australian Military Bank Low Rate credit card to pay in person, online or over the phone with businesses all around the world, anywhere Visa cards are accepted. You also get added protection online through Visa Secure and contactless payments at the checkout, with no need to enter a PIN when you spend less than $100. Plus, access to exclusive deals for shopping, dining, entertainment and travel through Visa Offers + Perks (on the Visa website).

  • Banking options

Australian Military Bank offers Internet banking and a mobile app so you can keep track of your accounts whenever you want. You can also visit one of the bank's branches or call 1300 13 23 28 between 8am-6pm (AEST) on weekdays or 9am-12pm Saturdays.

  • Additional cards

If you want to get an additional card for a family member, you can do so without paying an additional cardholder fee.

How to apply for an Australian Military Bank credit card

You can apply for an Australian Military Bank credit card online by filling in a secure application form on the bank's website. You can also apply over the phone by calling 1300 13 23 28, or visit a branch to fill in an application. Before you apply, make sure you meet the following eligibility criteria and have all the documents and details you'll need to complete the application.

Eligibility criteria

  • Age. You must be at least 18 years of age.
  • Australian residency status. You must be an Australian citizen or a permanent resident of Australia.
  • Income. You must be currently employed or have a regular income.
  • Credit history. You can apply for an Australian Military Bank credit card as long as you have not declared bankruptcy or insolvency – or defaulted on any loans, credit cards, interest free finance or store cards – in the last five years.

Documents and details

  • Personal information. This includes your full name, residential address, phone number, date of birth, email address and marital status. You also need to provide ID in the form of your driver’s licence number, Australian Passport or Medicare card number.
  • Employment details. As well as your regular income, you need to include details of your occupation, length of employment and your employer's contact details. You also need to provide your most recent payslip to help verify these details.
  • Financial information. This covers any other sources of income, as well as savings, other assets and existing debts, loans or other liabilities. You also need to estimate your share of regular household expenses, such as rent or mortgage payments, bills and grocery spending.

If your application is approved, you'll automatically become a member of Australian Military Bank when the account is opened (if you're not already a member). If you have any questions about the application, you can call the bank on 1300 13 23 28 or email service@australianmilitarybank.com.au.

Frequently asked questions

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10 Responses

  1. Default Gravatar
    WarrenNovember 3, 2016

    as a veteran receiving age pension and Vietnam active service disability payments through DVA do I qualify to apply for this credit card ?

    • Avatarfinder Customer Care
      MayNovember 3, 2016Staff

      Hi Warren,

      Thank you for your inquiry.

      Based on the general eligibility criteria and requirements for Australian Military Bank credit card, you should be currently employed or receiving a regular income. I’d suggest that you contact the Australian Military Bank directly to confirm if you can apply even though you are receiving age pension and disability payments.

      Meantime, if you’d like to check other banks that accept pensioner applicants, please read the criteria and general information from this page. You may click on the name of the bank so you will find the credit cards they offer.

      Hope this helps.

      Cheers,
      May

  2. Default Gravatar
    HNSeptember 25, 2016

    When does this balance transfer offer end?

    • Avatarfinder Customer Care
      MaySeptember 26, 2016Staff

      Hi HN,

      Thanks for your inquiry.

      With Australian Military Bank Low Rate Visa Credit Card, the offer 0% p.a. interest rate on balance transfer will last for 12 months from the time you’re approved for the balance transfer.

      Cheers,
      May

    • Default Gravatar
      HNSeptember 26, 2016

      Sorry May
      I meant to say – when do I have to submit an application to receive the balance transfer offer of 12 months (Eg end of September)
      HN

    • Avatarfinder Customer Care
      MaySeptember 26, 2016Staff

      Hi HN,

      Thanks for getting back.

      There is no actually deadline or time frame so you can take advantage of the balance transfer offer. At any time you wish to apply for the card, you can then request a balance transfer.

      Cheers,
      May

  3. Default Gravatar
    garyMay 2, 2015

    I am currently unable to use my Australian Military Bank visa card to make on line purchases, can this be problem rectified please?

    • Avatarfinder Customer Care
      JonathanMay 4, 2015Staff

      Hi Gary, thanks for your inquiry!

      Please note that finder.com.au is a comparison service, it would be best to contact Australian Military Bank directly. Please refer to the contact details I have sent to your email.

      Cheers,

      Jonathan

  4. Default Gravatar
    TrevorMarch 24, 2015

    I am a member of the RSL. Was a serving member for 20+ years including a tour of duty to Vietnam. Am now retired. My wife and I have a pension of $70,000 per year. Are we eligible to apply for a card?

    • Avatarfinder Customer Care
      JonathanMarch 24, 2015Staff

      Hi Trevor, thanks for your inquiry!

      Please note that finder.com.au is a comparison service and is not affiliated with the Australian Military Bank. It would be best to contact them directly to best advise on your options and eligibility for this credit card. Their financial requirements for this card are; having a regular source of income through employment and not having poor creditworthiness.

      I hope this helps.

      Cheers,

      Jonathan

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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