Bank Australia Credit Cards

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

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Amy Bradney-George's headshot

By

Amy Bradney-George

Updated

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Bank Australia

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Key takeaways

  • Bank Australia (formerly known as bankmecu) is a customer-owned bank.
  • It prides itself on not lending money to harmful industries, including fossil fuels and live animal export.
  • It focuses on ethical banking, supporting sustainable and community-focused initiatives.

Compare Bank Australia Credit Cards

Checked 8 August 2026
Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Bank Australia Low Rate Visa Credit Card image
Bank Australia Low Rate Visa Credit Card
Green Company
Purchase rate p.a.
12.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
0 interest free days
Balance transfer rate p.a.
0% for 6 months
with 0% balance transfer fee, then 12.99%
Annual fee
$0
View details
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Bank Australia Platinum Rewards Visa Credit Card image
Bank Australia Platinum Rewards Visa Credit Card
Green CompanyQantas Frequent Flyer
Purchase rate p.a.
20.24%
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
View details
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Bank Australia Visa Credit Card image
Bank Australia Visa Credit Card
Green Company
Purchase rate p.a.
19.74%
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
View details
Compare product selection
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Benefits of getting a credit card 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

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

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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Sources

Amy Bradney-George's headshot
Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise
Amy has written 471 Finder guides across topics including:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability
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26 Responses

    Will's avatar
    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

      Jonathan's headshotFinder
      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

    Stuart's avatar
    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..

      Shirley Liu's headshotFinder
      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

    Briget's avatar
    BrigetJune 27, 2014

    Hi I have 2 big credit cards with a total of $27,000. Please give me advice as to how can I pay my debt off quickly effectively that will be
    an advantage in saving and the best option. I have a very good credit history. Looking to approach Bankmecu for assistance – cards are with Citibank and Bankwest. Thanks

      Shirley Liu's headshotFinder
      ShirleyJune 30, 2014Finder

      Hi Briget,

      Thanks for your question.

      We cannot provide financial advice but we have an article on steps to reducing $50k debt.

      Bankmecu may be able to assist, as your cards are Citibank and Bankwest. If you would like more information on balance transfers and compare options to see what may work for you.

      Cheers,
      Shirley

    Dean's avatar
    DeanMarch 3, 2014

    I have two credit cards. One is with Commonwealth, the other is with GE. I would like to pay both of these out and get two credit cards with no annual fee and low interest rates. What do you recommend? Thanks.

      Jacob Joseph's avatarFinder
      JacobMarch 3, 2014Finder

      Hi Dean,

      Thanks for your question.

      If you are looking to reduce credit card interest transfers, you may want to consider consolidating the balance of both your cards through a balance transfer option. You may refer to our comparison of balance transfer credit cards we have listed. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      I hope this helps.

      Cheers,
      Jacob

    Atta's avatar
    AttaSeptember 16, 2013

    Sir/Madam, I want to open an account with Bankmecu. I am a resident of Mildura, Victoria, Australia. Is there a branch in Mildura? If yes where is it? If no where is the nearest branch? Thanks. Atta.

      Jacob Joseph's avatarFinder
      JacobSeptember 16, 2013Finder

      Hi Atta.

      You can find a Bank MECU branch at, 134A Eighth Street, Mildura VIC 3500. Open Mon-Fri 9am-5pm.

      Thanks.

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