In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
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Bank Australia Low Rate Visa Credit Card

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Bank Australia Low Rate Visa Credit Card
Terms and conditions apply
Purchase rate
9.39% p.a.
Annual fee
$59 p.a.

Our verdict

Save with low interest rates and a competitive annual fee with the Bank Australia Low Rate Visa credit card.

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The Bank Australia Low Rate Visa credit card boasts one of the lowest purchase interest rates on the market. This will help minimise your interest costs if you regularly carry a balance from month to month. It’s also one of the few cards to also charge a low interest rate on cash advances.

Pros

  • Low interest rate of 9.39% p.a. on purchases and cash advances
  • Comes with security features such as a 24/7 fraud monitoring
  • Access to Apple Pay, Samsung Pay and Google Pay

Cons

  • No interest-free days on purchases
  • Not linked to any rewards program

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews

The Bank Australia Low Rate Visa credit card couples low interest rates with a competitive annual fee. You can use your card wherever Visa is accepted and enjoy the convenience of mobile payments when you link your card with Apple Pay, Google Pay or Samsung Pay.

Details

Product details

Product Name Bank Australia Low Rate Visa Credit Card
Purchase rate p.a. 9.39%
Interest-free period 0 interest free days
Cash advance rate p.a. 9.39%
Min credit limit $1,000
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $59
Minimum monthly repayment 2.5% of the closing balance or $20, whichever is greater
Late payment fee $0
Foreign currency conversion fee 3%
Cash advance fee $3.50
Overseas cash advance fee $3.50
Overseas ATM withdrawal fee $3.50

How to apply

You can apply for the Bank Australia Low Rate online. Before you start the application, check if you meet the eligibility criteria and have the necessary information.

Eligibility criteria

  • Age. Applicants must be at least 18 years old.
  • Residency. This card is only available to Australian citizens or permanent Australian residents.

Card benefits

  • Low interest rates. This credit card offers a competitive 9.39% p.a. variable interest rate on all purchases and cash advances made with the card. This is currently one of the lowest rates available, particularly for cash advances.
  • Visa benefits. You can use this card at millions of locations around the world wherever Visa is accepted. Enjoy access to presale concert tickets, discounts, competitions and other deals through Visa Offers and Perks. You can also access safer online banking through Visa Checkout.

Rates & fees

  • Annual fee. This card charges a competitive annual fee of $59.
  • Cash advance fee. If you use this card to get money from an ATM or for any other cash advance transaction, a fee worth $3.50 of the total transaction will apply.

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