With features including competitive rates and fees, frequent flyer points and cashback rewards, compare BankVic credit cards to decide if one suits your needs.
If you or a member of your family are part of the police, health, emergency or public service in Victoria, you can apply for a credit card from BankVic and take advantage of special introductory offers and competitive ongoing features.
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The benefits of banking with BankVic
BankVic credit cards offer more than cheap access to credit. Some of the benefits that come with using a BankVic credit card include:
Internet banking - bank where and when you want
Apply and get approved for a BankVic credit card and register your account for internet banking for free. This service from BankVic lets you manage your credit card and make payments from anywhere in the world, at any time of the day. Increase your credit limit, set up regular payments, review your credit card statement and view your monthly statement and more from your desktop or smartphone device. Internet banking does away with the need to visit a brick-and-mortar bank.
BankVic credit cards - ATM withdrawals
You'll pay no ATM fee when you use your BankVic credit card to make a withdrawal at a St.George, Westpac, BankSA or Bank of Melbourne ATM. Note that a cash advance fee will apply when you use your credit card to withdraw money.
Visa credit card benefits
Using a BankVic Visa credit card comes with some handy features to make shopping quicker, easier and safer:
Visa payWave. All BankVic credit cards are Visa payWave enabled. This means you can tap your BankVic credit card against a contactless terminal for purchases under $100 and you can be on your way in a matter of seconds - do away with entering your PIN for small transactions. Visa payWave transactions are protected under the Visa Zero Liability Policy.
Visa Zero Liability Policy. Use your credit card with the confidence that you’re protected from fraud, both online and over the counter. The Visa Zero Liability Policy does not extend to ATM transactions, however, Visa will give you your money back if you’re the victim of credit card fraud shopping online, over the counter or when using Visa payWave.
Global acceptance. Visa is a global brand and is accepted in millions of places all over the world. Use your Visa card to pay for a train ticket in New York, shop online and buy shoes from Paris or withdraw cash from an ATM in India. Whether you’re using your card at home or abroad, Visa has you covered.
Digital wallets
You can now use your smartphone or compatible device to make contactless payments when you link your BankVic account to Apple Pay or Google Pay.
How to apply for a BankVic 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
Apply for a balance transfer as an existing cardholder by completing and sending in a balance transfer request form. Transfer the balance of other credit cards or store cards issued by other Australian banks or financial institutions. Take note of the following:
You can transfer a balance from two other credit cards to your BankVic credit card
Use up to 95% of your BankVic credit card credit limit towards a balance transfer facility
A balance transfer can take up to 14 days to process
You can pay your BankVic credit card using these methods. Check your BankVic credit card statement for detailed information about how you can pay your BankVic credit card.
Internet banking. Pay your BankVIc credit card using BPAY from your online banking facility with another financial institution.
Branch. Visit a BankVic branch and pay your credit card in person using EFTPOS or cash.
Direct debit. Set up a direct debit agreement to pay the minimum monthly repayment, a specific amount or the entire closing balance, when your statement is issued from another bank’s savings or transaction account.
Cheque. Send a cheque in the post to BankVic. Detach the bottom part of your credit card statement and send it with a cheque to BankVic.
If you want a higher spending limit on your BankVic credit card, apply for a credit limit increase. Apply for an increase by completing a Visa credit card limit increase form, by visiting a branch or by calling BankVic. BankVic will make an assessment on your ability to manage a higher credit limit and review your request based on your financials.
It’s easy to get an additional card for someone else.
They must be over the age of 15
You (the primary cardholder) are responsible for spending on the additional cards
You can apply to add an additional cardholder to your account when you first apply for the BankVic credit card, or you can add an additional cardholder after you apply by completing an Additional cardholder request form
The additional cardholder will need to have their identity verified if they're not already a BankVic member
A lost or stolen credit card must be immediately reported to BankVic. If you don’t report a misplaced or stolen card to BankVic and someone uses it against your will, you will be held liable for the transaction. You should also contact BankVic if you find an unauthorised transaction on your account. BankVic and Visa will start an investigation into the authorised use of the credit card and initiate a chargeback if necessary.
If you call Visa, you’re issued with an incident reference number. Make a note of this number. You also need to contact BankVic during business hours let them know about your lost or stolen card. BankVic will issue a replacement card.
Rest assured that your BankVic credit card is protected against unauthorised use. ORION is BankVic’s fraud protection system that offers around-the-clock real-time monitoring of your account for unusual transactions. If something is picked up that doesn’t fit your usual spending patterns, BankVic will attempt to contact you right away. If you can’t be contacted, BankVic will temporarily block your credit card. The Visa Zero Liability Policy offers a money back guarantee if you are the victim of credit card fraud while shopping over the Visa payment networks (online, over the counter and payWave).
One month before your credit card expires, you will be issued with a new credit card from BankVic. Your PIN will not change.
Visa payWave lets you make contactless payments at merchants that have a contactless terminal. Hold your credit card against the contactless reader and the transaction is completed in a matter of seconds. There’s no need to enter your PIN for transactions under $100.
If you would like to cancel your BankVic credit card, you can do so at any time as long as you’ve paid your balance in full. Send a request in writing to BankVic.
Sally McMullen is a journalist with five years of experience covering credit cards and consumer finance. As co-host of the Two Broke Chicks podcast and co-author of Rich In Life, Sally shares valuable money-saving tips and life lessons with her audience. Sally was a Credit Cards Editor at Finder from 2015 to 2020.
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BankVic Low Rate Visa cardholders can save with a low 8.99% p.a. interest rate for the first 6 months.
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