Bank Australia
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Bank Australia Credit Cards

Green Company

Choose from a $0 annual fee, a low rate or platinum rewards visa card from Bank Australia.

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Bank Australia (formerly known as bankmecu) is a customer-owned bank with over 160,000 members. It prides itself on not lending money to industries that do harm, including fossil fuels and live animal export. Instead, it lends money to individuals, housing for people with disability, non-profits, renewable energy and more.

Bank Australia offers an array of financial products and services, including everyday banking accounts, savings accounts, term deposits, home loans, personal loans, insurance solutions and credit cards.

Comparison of Bank Australia Credit Cards

Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Bank Australia Visa Credit Card
Purchase rate p.a.
12.39%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$0
More Info
Save with an ongoing $0 annual fee and a low purchase rate of 12.39% p.a. Plus, compatibility with Apple, Google & Samsung Pay.
Bank Australia Low Rate Visa Credit Card
Purchase rate p.a.
9.39%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
0 interest free days
Balance transfer rate p.a.
N/A
Annual fee
$59
More Info
Enjoy a low rate of 9.39% p.a. on purchases and access to Apple Pay, Google Pay and Samsung Pay.
Bank Australia Platinum Rewards Visa Credit Card
Qantas Frequent Flyer
Purchase rate p.a.
18.24%
Bonus points
N/A
Points per $ spent
0.75
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$189
More Info
Receive complimentary travel insurance, up to 1.75 Qantas Points per $1 spent and access to Visa Platinum entertainment offers.
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Types of credit cards from Bank Australia

Bank Australia's range of credit cards are designed to suit different spending habits and needs. The cards you can choose from include:

  • Low rate credit card

The Bank Australia low rate credit card offers a low ongoing variable purchase rate of 9.39% p.a. This card attracts a nominal annual fee of $59 and gives you access to funds around the world, anywhere Visa is accepted.

  • No annual fee credit card

The Bank Australia Visa Credit Card charges a $0 annual fee and a competitive standard variable purchase rate of 12.39% p.a. It also offers up to 55 interest-free days on purchases when you pay your balance in full by the due date on each statement.

  • Platinum credit card with frequent flyer rewards

The Bank Australia Platinum Rewards Visa Credit Card earns 0.75 Qantas Point per $1 spent on eligible purchases and 1 point per $1 spent on selected Qantas products and services in Australia. It also offers platinum perks including complimentary overseas travel insurance. This card attracts an annual fee of $189.

What are the benefits of banking with Bank Australia?

Banking with Bank Australia comes with a number of benefits, and here’s what you can look forward to as a Bank Australia member:

  • Savings

Bank Australia is 100% owned by customers. This means the bank can put profits back into providing better rates and lower fees for members.

  • Round-the-clock customer service

Bank Australia members who reside in New South Wales, Victoria, Queensland, South Australia, and ACT can get in touch with a Bank Australia representative over the phone at any time of the day or night.

  • Internet banking

In keeping up with changing times, Bank Australia gives you access your account information over the internet, through its online and mobile banking platforms. You can turn online to change personal details, view transaction history, and make payments.

  • Community investments

When you bank with Bank Australia, you know that you’re part of an initiative aimed at giving back to society. It has a Conservation Reserve designed to help protect endangered species and offset the bank's environmental impact. It also invests a portion of profits in projects that address social issues through the Bank Australia Impact Fund.

  • Digital wallets and contactless payments

You can now use your smartphone or compatible device to make contactless payments at the terminal when you link your Bank Australia credit card to Apple Pay, Samsung Pay or Google Pay.

How to apply for a Bank Australia credit card

You can apply for a Bank Australia credit card online or by visiting any Bank Australia service centre. Before you apply, make sure you meet the eligibility requirements and have all the required documents and information on hand.

Eligibility criteria

If you wish to apply online, ensure first that you meet the following eligibility criteria:

  • You must be at least 18 years of age
  • You must be an Australian citizen or a permanent resident of Australia
  • You must have good credit rating

Required documents

To complete the application, prepare to provide the following information:

  • Employment details and details of income from all sources
  • Details of assets like property, vehicles, investments, and savings
  • Details of liabilities like loans, credit cards, overdrafts, and lines of credit
  • Details from your Australian driver’s license, passport, or Medicare card

Bank Australia credit cards offer a variety of competitive features that allow you to cut down on credit costs or take advantage of rewards and platinum perks. As there are many other credit cards that provide similar features, make sure to compare your options before applying to ensure that you select the right card for you.

Frequently asked questions

You can find frequently asked questions about Bank Australia credit cards below. Contact us using the form at the bottom of the page if you still have a question about Bank Australia credit cards

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22 Responses

    Default Gravatar
    SydneyFebruary 9, 2024

    I am a pensioner and i am looking for a credit card with a minimum credit of 2000 just in case an unexpected bill comes in just to give me peace of mined

      AvatarFinder
      AmyFebruary 12, 2024Finder

      Hi Sydney,
      If you want to apply for a Bank Australia credit card, you can do so through the bank’s website or a branch. Finder also has a guide on credit cards for pensioners that includes a comparison table and insights on applying for a card. I hope this helps.

    Default Gravatar
    TerryMay 3, 2023

    I am travelling overseas. What is the best credit card to take?

      AvatarFinder
      AmyMay 4, 2023Finder

      Hi Terry,
      You can use Finder’s guide to compare credit cards for travel with features including 0% foreign transaction fees, complimentary travel insurance and travel rewards. I hope that helps.

    Default Gravatar
    JohnSeptember 4, 2019

    Every lender from Latitude to Commonwealth Bank has declined me for a credit card. Do you know if this is always the case for a poor credit rating and what can I do to make them see past it?

      AvatarFinder
      JeniSeptember 5, 2019Finder

      Hi John,

      Thank you for getting in touch with Finder.

      Sorry to hear about your declined application.

      Yes, credit card providers check the applicant’s creditworthiness via a credit report. You may learn more about the other reasons for rejected credit card applications. I suggest that you build your credit score first before applying for a credit card. In the meantime, you may check the other products available for bad credit.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    WillMay 11, 2015

    My Visa Mecu credit card was retained by the Westpac ATM when I used an incorrect PIN.
    I have already reported this by telephone to MECU, and I now need to have another card issued.
    Is their a shorter process for getting a replacement card given that I’ve had one in the past. The lost card was due to expire this month.
    Also, we do have access to internet banking with MECU.
    Thanks
    Will

      AvatarFinder
      JonathanMay 13, 2015Finder

      Hi Will, thanks for your inquiry!

      Replacement cards will be replaced within 5 working days in Australia. If you are overseas, VISA International can organise a replacement card, however it will cost US$175 and will not be issued with a PIN.

      Cheers,

      Jonathan

    Default Gravatar
    StuartSeptember 24, 2014

    Hi, I have noticed on bankmecu’s website that they have a Platinum Qantas Rewards Visa Card also.. Which is not displayed on this page..

      AvatarFinder
      ShirleySeptember 26, 2014Finder

      Hi Stuart,

      Thanks for your question.

      Although we cover a wide range of products, issuers and services we don’t cover every product, issuer or service available in the market so there may be other options available to you.

      Cheers,
      Shirley

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