Auswide Bank Credit Cards

Auswide Bank started as a Queensland-based building society and has since grown to a national bank that has been providing financial products and services for over 50 years.

It offers a range of products, including a no-frills credit card with a competitive low rate and an annual fee that can be waived if you're under the age of 25. Find out more about its credit card offering below.

Compare Auswide Bank Credit Cards

Name	Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
Auswide Bank Low Rate Visa Credit Card	Bonus points N/A	Points per $ spent N/A	Purchase rate p.a. 10.99%	Annual fee $50	More Info Compare	Get a low 10.99% p.a. interest rate on purchases and cash advances. Plus, 0% p.a. on balance transfers for 12 months.

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Type of Auswide Bank credit cards

• Low rate credit cards

Currently, the Low Rate Credit Card from Auswide Bank comes with a competitive 10.99% p.a. interest rate for purchases and cash advances.

This card also comes with a $50 annual fee that's waived for cardholders under 25 years of age.

Benefits you can get with an Auswide Bank credit card

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

• Balance transfers

If you have an existing credit card with another bank or provider, you can request a balance transfer up to your available credit limit and your balance will be charged at the purchase rate, currently 10.99% p.a.

• Additional 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

The Auswide Bank Low Rate card offers extra layers of security for online purchases through Visa Secure, EFTPOS Secure and Visa Zero Liability.

• Mobile payments

Auswide Bank is compatible with Apple Pay and Google Pay, so you can add your card details to the relevant app and tap to pay straight from your mobile phone or device.

• Visa benefits

As a Visa credit card, you will get access to certain benefits such as contactless payments with Visa PayWave for purchases under $100 and faster checkout with Visa Checkout.

How to apply for an Auswide Bank credit card

You can apply for an 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. The minimum income requirement for the Low Rate Visa is $30,000.
• Age. You must be over 18 years old.
• Credit history. You should have a 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.

Credit card brands similar to Auswide Bank

If you're after a low rate credit card similar to that offered by Auswide Bank, you can consider credit cards from the following brands:

• Beyond Bank credit cards
• Bank Australia credit cards
• Great Southern Bank credit cards

Contact details and related links

• Banking enquiries: 1300 138 831
• Auswide Bank home loans
• Auswide Bank savings accounts

Frequently asked questions

• How long does the credit card 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 card offer interest-free days?

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

• What should I do if I lose my card?

  If you lose your 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

Compare other products from Auswide

• Auswide home loans
• Auswide savings accounts
• Auswide business loans

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

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Amy has written 585 Finder guides across topics including:

• Credit cards
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