Choose from an array of credit cards with features such as frequent flyer points, no annual fees, or a low ongoing interest rate.
Bank Australia's range of credit cards include a low rate card, a no annual fee card and a frequent flyer rewards card. These products all offer competitive rates, fees and additional features in comparison to similar products on the market.
Comparison of Bank Australia Credit Cards
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 p.a. and gives you access to funds around the world, anywhere Visa is accepted.
No annual fee credit card
The Bank Australia No Annual Fee Visa Credit Card has a $0 p.a. 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 1 Qantas Point per $1 spent on eligible purchases and 2 points per $1 spent on selected Qantas products and services in Australia. It also offers platinum perks including a 24/7 concierge service and complimentary overseas travel insurance. This card attracts an annual fee of $189 p.a.
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:
Bank Australia is 100% owned by customers. This means the bank can put profits back into providing better rates and 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.
In keeping up with changing times, Bank Australia gives you the ability to 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.
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.
Balance transfer offers
Bank Australia regularly offer balance transfer promotions on their credit cards. For more information, here is a step-by-step guide to balance transfers with Bank Australia
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.
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
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.
How can I access my account online?
What happens after I apply for a Bank Australia credit card?
If you complete a quick application, a Bank Australia representative will be in touch to complete your application.
If you completed a full online application, check your email inbox for a message from Bank Australia about your application. You may need to verify your identity before the application can be fully processed. If this is the case, Bank Australia will provide you with instructions on what to do next.
If you haven’t been given a response about your credit card application, call Bank Australia on 132 888, 8am - 8pm Monday to Friday.
How is a customer-owned bank different from a normal bank?
When a customer-owned bank makes money, the customers benefit from better deals. Bank Australia has actually put a dollar figure on the value it gives its customers. Have a look at their Customer Value Statement for the latest figures.
How do I access my account online?
Download and complete an Internet Banking Application Form from the Bank Australia website to view and manage your credit card online. Send the form to Bank Australia by email, fax or in person at a branch. You can also register for internet banking by calling Bank Australia on 132 888.
How does the interest-free days feature work?
The "up to" interest-free days feature allows you to make interest-free purchases on your credit card. You need to pay back what you spend at the end of the month to keep getting interest-free days.
What do I do if I lose my card or it’s stolen?
Lost or stolen credit cards should be reported to Bank Australia immediately. Contact Bank Australia on 132 888 or +61 3 9854 4666 if you’re overseas.
Am I protected from credit card fraud?
Both Visa and Mastercard credit cards are protected against fraudulent transactions. They offer zero liability guarantees that protect you when you’re shopping online or over the counter, including for contactless payments.