Bank Australia Credit Cards

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

Not enough reviews Write a review
Bank Australia

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

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
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
Offers 0% p.a. on balance transfers for the first 6 months and a low rate of 12.99% p.a. on purchases. Plus, an ongoing $0 annual fee.
More info
Compare product selection
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
Receive complimentary travel insurance, up to 1.75 Qantas Points per $1 spent and access to Visa Platinum entertainment offers.
More info
Compare product selection
Bank Australia Visa Credit Card image
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
Save with an ongoing $0 annual fee and a competitive purchase rate of 19.74% p.a. Plus, compatibility with Apple Pay, Google Pay & Samsung Pay.
More info
Compare product selection
loading

Find a better credit card

Take our easy quiz and find the right card for you.

Finder Awards badge

Congratulations, Bank Australia!

The Bank Australia Visa Credit Card was highly commended for Best No Annual Fee Credit Card in the 2025 Finder Awards.

Full list of 2025 winners

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

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 505 Finder guides across topics including:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

26 Responses

    Default Gravatar
    MikeJune 21, 2013

    What are they ways available to pay the monthly repayments and are there any fees on any of the ways ?

      Default GravatarFinder
      JacobJune 24, 2013Finder

      Hi Mike. Thanks for your question. You can pay this card from another account using BPAY, you can pay this card by cheque, in person at branch or you can pay this card at Australia Post. There may be a charge of a couple of dollars if you pay your card at Australia Post. Hope this helps. Jacob.

    Default Gravatar
    TadeuszApril 25, 2013

    Any good cards $1000 to $2000 credit max?

      Default GravatarFinder
      JacobApril 25, 2013Finder

      Hi Tadeusz,

      Thanks for your question.

      Your credit limit will be set based on the financial information you provide in your application. You can request a credit limit, but the final say is up to the banks, they will assign a credit limit based on the limit they think you can service. You may refer to our comparison of credit cards to help you find a suitable card for you. You can select the “Go to Site” button of your preferred credit card to proceed with your application. You can also contact the provider if you have specific questions. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

      I hope this helps.

      Cheers,
      Jacob

    Default Gravatar
    RondaMarch 6, 2013

    I have been with MECU for more than 25 yrs. I now have a Westpac Mastercard with $1200 owing. I have $20.000 credit. We are going overseas to USA in April and considering a credit card change. We own 2 homes 2 cars no dependents or debts. We are self funded seniors and I am a professional working part time can you advise please?

      Marc's headshotFinder
      MarcMarch 12, 2013Finder

      Hello Ronda,

      Thanks for the question!

      It may be useful to check out our page on overseas credit cards. You may check travel credit cards and find information about the types of international transaction fees you could stand to pay as well as what credit cards minimise these fees.

      I hope this helps,
      Marc

Read more on Bank Australia Credit Cards

Go to site