Beyond Bank Credit Cards

beyond bank logoSpending benefits minus the frills — discover the features of a Beyond Bank credit card.

Beyond Bank, with close to 50 branches, 195,000 customers, and in excess of $4 billion in the form of assets under management, is amongst the nation’s largest customer-owned banks. Before becoming a bank, this institute operated as Community CPS, one of Australia’s largest credit unions. This bank offers two low rate credit cards, both of which offer value, flexibility, security, and simple repayment options.

Comparison of Beyond Bank Credit Cards

Rates last updated May 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Beyond Bank Low Rate Visa Credit Card
Low ongoing interest rate and up to 62 interest free days.
12.49% p.a. 0% p.a. for 5 months $49 p.a. More info

Types of credit card from Beyond Bank

While Beyond Bank does not offer any premium credit cards, it does offer two low rate cards, each coming with its fair share of features. Details of your card options are as follows:

  • Low rate credit cards

A low rate credit card gives you the benefits of credit card spending power without the high interest strings that come attached to many other cards. Beyond Bank's Low Rate Visa Credit Card, like other low rate cards, offers a highly competitive interest rate. Owing to its Visa affiliation you can use this card just about anywhere in the world, and it also comes with other Visa benefits. This card comes with a 0% p.a. balance transfer offer, and offers interest-free days on purchases. If you have this card you can apply for up to 4 additional cards, with none of these attracting additional fees.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Beyond Bank Low Rate Visa Credit Card
12.49% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 5 months
Low ongoing interest rate and up to 62 interest free days.

Compare up to 4 providers

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy up to 55 days interest-free.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Save with 11.99% p.a. on purchases. Also enjoy the protection of Fraudshield.
Westpac Low Rate Card
0% p.a. for 6 months (reverts to 13.49% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 12 months
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
Heritage Bank Gold Low Rate Credit Card
11.80% p.a.
0 interest free days
$0 p.a.
0% p.a. for 12 months
Save with 11.8% p.a. on purchases. Also enjoy $0 annual fee.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Enjoy a low balance transfer offer of 0% p.a. for 14 months and a low ongoing purchase rate from BankSA.

Compare up to 4 providers

Learn more about Low Rate Credit Cards
  • Low rate 'lite' credit cards

If you still want the benefits of a low rate card and don't mind a few less features, you can consider a light version of a low rate card, such as this one offered by Beyond Bank. The Low Rate Lite Visa Credit Card offers more value for money through an even more competitive interest rate. This card gives you access to Visa benefits such as Visa payWave, enabling you to make contactless payments at payWave terminals. This card offers interest-free days on purchases as well.

Benefits of Beyond Bank

Beyond Bank credit cardholders stand to benefit from a host of features and services offered by Beyond Bank. Here are some of the benefits you can expect:

  • Balance transfers

If you apply for the Low Rate Visa Credit Card you can use it to transfer balances from existing cards and pay 0% p.a. for the first five months. To take advantage of this offer you should apply for the transfer within one month of receiving your card.

  • Generous number of interest-free days on purchases

Both Beyond Bank credit cards offer up to 62 interest-free days on retail purchases. This is quite a long period compared to other cards that may only offer up to 44 or 55 days interest-free. Keep in mind you'll need to pay your balance back in full each statement period in order to take advantage of these interest-free days.

  • Simplified banking

Beyond Bank gives you different ways to keep track of your credit card account. You can login to the Beyond Bank website by using your computer, you can download the Beyond Bank app to use on your smartphone, or you can use its round-the-clock telephone banking service.

  • Secure spending

The Visa Zero Liability Policy is in place to protect your card information at all times, meaning you won't not liable for unauthorised purchases made using your card or card information. Verified by Visa offers another layer of protection by ensuring that it’s you who is making the purchase, and Smart Chip Protection minimises the risk of card skimming, counterfeiting, and other fraudulent activity.

  • AutoPay

Through this facility you can set up automatic repayments and pay a set amount each month. This can be your entire balance or minimum monthly payment. This way, you don’t have to worry about keeping track of your card’s due date.

How to apply for a Beyond Bank Credit Card

Before you think about applying for a Beyond Bank credit card make sure you compare your options well. After narrowing down on your choice find out if you meet the eligibility criteria, which is listed on our review pages, and if you do you can click on the ‘Go to Site’ button.

Eligibility criteria

  • Be more than 18 years old
  • Be a permanent resident of Australia or an Australian citizen
  • Your regular net income should exceed $2,000 per month
  • You should have good credit history
  • You should agree to Beyond Bank conducting a credit check

Required documents

As long as you have all the required information at hand, completing an online application should not take long. As part of the application process, you have to submit the following:

  • Complete name, date of birth, residential address, phone number, and email address.
  • Be prepared to submit details of your income from all sources and your employer’s contact details. In case you’re self-employed, you'll need to provide your accountant’s contact details. You have to submit details surrounding all your expenses and liabilities as well as your savings and assets.
  • If you wish to transfer balances from existing credit cards to your new Beyond Bank credit card, keep the card numbers and other related information close at hand.

What happens after applying?

In the event that Beyond Bank requires more information a bank representative will get in touch with you. If you are regularly employed, let your payroll department know that Beyond Bank might get in touch with them to verify your income. Individuals who aren’t existing Beyond Bank customers have to complete an identity verification process, as this is required by Australian law. To complete the process you have to take supporting documents to a Beyond Bank branch where a representative confirms your identity as well as other information you previously provided.

Frequently asked questions

Given below are answers to frequently asked questions about Beyond Bank credit cards. If you have any further questions, you can get an answer by using the form at the end of this page.

Yes, both these cards attract a nominal annual fee of $49.

Yes, you might have to pay other transaction-related fees from time to time. Some of these include cash advance fees, declined transaction fees and Bank@Post transaction fees. You might also have to pay default fees and default notice fees if you fail to make your repayments on time.

No, both cards attract a higher cash advance rate when compared to their purchase rates. You can check both of these rates on our credit card review pages.

If you have access to all the information that is required to complete an online application, the process should take around 10 minutes.

You can find out the status of your credit card application with Beyond Bank by visiting their website and chatting live with a bank representative. Alternatively, you can call their phone banking service or simply visit a branch.

While you can set up automatic payments from your bank account, you can also make payments by cheque, through BPAY, or via Bank@Post.

Beyond Bank low rate credit cards don’t currently offer any rewards program.

The minimum credit limit for both cards stands at $1,000. You can apply for an increase in credit limit later, but this is subject to approval. In addition, there are certain stipulations surrounding increasing your credit limit, such as how often you’re able to do it and how much it can increase it to.

You have the option of adding an additional cardholder or more during the application process. If you want to do so later, you can, via online banking, phone banking, or by visiting a branch.

Call Beyond Bank’s phone banking service as soon as you realise you’ve lost your card. They will block your card immediately and makes suitable arrangements to send you a replacement. You’ll have to pay a fee to replace a lost, stolen or damaged Beyond Bank credit card.

Call Beyond Bank’s phone banking service as soon as you realise you’ve lost your card. They will block your card immediately and makes suitable arrangements to send you a replacement. You'll have to pay a fee to replace a lost, stolen or damaged Beyond Bank credit card.

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