Auswide Bank Credit Cards

Compare Auswide Bank Credit Cards

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Name	Product	Bonus points	Rewards program	Rewards points per $ spent	Purchase rate p.a.	Annual fee
Auswide Bank Low Rate Visa Credit Card		N/A	N/A		8.2%	$50	A no-frills credit card with a competitive annual fee and an 8.2% p.a. interest rate on purchases and cash advances	More Info	Compare	loading Fetching your data...
Auswide Bank Platinum Rewards Mastercard		20,000	Card Services Rewards Program	1	20.24%	$129	Receive six complimentary insurance covers, a 24/7 concierge service and a 0% p.a. for 24 months balance transfer offer.	More Info	Compare	loading Fetching your data...

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Types of Auswide Bank credit cards

If you're interested in a credit card from Auswide Bank, you can choose between a Visa option that offers low rates and fees, or a Mastercard with rewards and platinum perks.

Low rate credit cards

The Auswide Bank Low Rate Visa offers a competitive 8.2% p.a. variable interest rate for purchases and cash advances. A unique feature of this card (compared to other low rate cards) is that the variable rate will only change if the Reserve Bank of Australia (RBA) official cash rate changes. This is because the card's interest rate is set based on the RBA rate and a fixed margin applied by the bank. It also offers a $50 annual fee that's waived for cardholders under 25 years of age.

Platinum credit cards

The Auswide Bank Platinum Rewards Mastercard offers platinum perks including complimentary international travel insurance, interstate flight inconvenience insurance and a concierge service that can help you with tasks such as restaurant bookings or gift purchases. Outside of any promotional offers, it charges an annual fee of $129 and has a purchase interest rate of 20.24% p.a. It also offers points for every $1 spent on eligible purchases, which you can redeem for gift cards, merchandise, frequent flyer points and other rewards available through the Card Services Rewards program.

What are the benefits of banking with Auswide Bank?

If you decide to apply for an Auswide Bank credit card, some of the features and benefits you could enjoy include:

• RBA rate tracker

This unique feature on the Auswide Low Rate credit card means that its interest rate only changes when the Reserve Bank of Australia (RBA) changes the official cash rate. When the RBA does make a change, the rate on this card will be adjusted by the same amount (but will never be below 0% p.a.). In comparison, the majority of credit cards in Australia will not change their interest rates at the same time the RBA makes changes.

• Rewards

The Auswide Bank Platinum Mastercard earns 1 reward point per $1 spent on eligible purchases, with no point expiry and a variety of reward options – including frequent flyer point transfers to travel bookings, merchandise and cash back.

• Complimentary insurance covers

The Auswide Bank Platinum Mastercard offers complimentary international travel insurance, interstate flight inconvenience insurance, transit accident insurance, extended warranty insurance, purchase cover and a guaranteed pricing scheme.

• Balance transfers

If you have existing credit card with another bank or provider, you could request a balance transfer to an Auswide Bank credit card. Depending on when you apply, you may be able to take advantage of an introductory balance transfer rate. For example, the Auswide Bank Platinum Mastercard offers an introductory 0% p.a. rate on balance transfers for 24 months. When the offer period ends, any remaining balance transfer debt will attract the card’s cash advance rate.

• Supplementary cards

If you want to share your Auswide Bank credit card account with your partner or another family member, you can request an additional card for them and enjoy no additional cardholder fee. Note that you will be the one responsible for keeping the account in good standing.

• Security features

Auswide Bank credit cards offer a zero liability to protect you against fraudulent transactions. The Auswide Bank Low Rate card also offers an extra layer of security for online purchases through Visa Secure, while the Auswide Bank Platinum Rewards includes Fraudshield monitoring technology.

How to apply for an Auswide Bank credit card

You can apply for a Auswide Bank credit card online, in a branch or by phoning 1300 138 831. Before you apply, make sure you meet the eligibility criteria and have all the documents and details required for the application.

Eligibility criteria

• Residency status. You should be a permanent resident of Australia.
• Minimum income. Both cards have a minimum income requirement that you must meet to be eligible. The minimum income requirement for the Low Rate Visa is $30,000 and the minimum income requirement for the Platinum Mastercard is $35,000.
• Age. You must be over 18 years old.
• Credit history. You should have good credit history.

Required documents

• Personal details. This includes your name, phone number, email address, residential address, date of birth, and marital status. You also need to provide a valid form of ID, such as your driver's license or passport.
• Employment details. As well as your salary, you need to provide information about your employment status, length of employment and your employer's contact details.
• Financial details. This covers other forms of income, assets such as savings, as well as existing credit cards, loans and other debts. Plus, details of your share of household expenses including rent or mortgage repayments, bills and groceries.

Frequently asked questions

Do you have a question about Auswide Bank credit cards? Check out the answers to these FAQs below, or get in touch by using the form at the bottom of the page.

• How long does the application process take?

  If you have access to all the required information the online application should take around 10-20 minutes to complete.

• How can I check the status of my application?

  You can check your application online, in an Auswide Bank branch or by calling the bank on 1300 138 831.

• How can I pay off my Auswide Bank credit card?

  You have the following ways to make repayments on your Auswide credit card balance:

  • BPAY or funds transfer
  • Australia Post Bank@Post service
  • Direct debit (Easi-Pay)
  • Cheque (via mail)

  As you have to pay at least the minimum amount listed by the due date on each statement, it's a good idea to make your repayment a few days before that date so that it's processed in time. If you want to learn more about making repayments, check out this guide (including a repayment calculator).

• Does the rewards program attract any fee?

  No, you get free membership to the rewards program along with your Auswide Bank Platinum Mastercard.

• How do I redeem reward points?

  You can redeem your reward points online through the Card Services Direct Rewards website by logging in with your account details.

• Do the points expire and is there a cap?

  Your reward points don’t expire as long as you keep the account open, and there is a points cap.

• Do these cards offer interest-free days?

  Yes, both Auswide Bank credit cards offer up to 55 interest-free days on purchases. To take advantage of interest-free days on these cards, you need to pay the total outstanding balance (including balance transfer debt) by the due date on each statement for at least two consecutive statements.

• What should I do if I lose my card?

  If you lose or Auswide Bank credit card, call one of the following relevant numbers:

  Auswide Bank Low Rate Visa

  • Overseas: +61 2 9959 7885
  • Australia: 1800 252 730

  Auswide Bank Platinum Rewards Mastercard

  • Overseas: +61 2 8225 0620
  • Australia: 1300 135 538