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 December 11th, 2016
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.

Rates last updated December 11th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
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. Up to 62 days on purchases More info
Rates last updated December 11th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
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.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
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.

Do these cards charge any annual fees?

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

Do I have to pay any other fees?

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.

Are cash advance rates and purchase rates of these cards the same?

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.

How long does the application process take?

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

How can I check the status of my application?

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.

How can I make repayments?

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

Do Beyond Bank credit cards have any kind of a rewards program?

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

What is the minimum credit limit and can I increase this later?

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.

How do I add an additional cardholder?

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.

What happens if I lose my 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.

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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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

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ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

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Annual fee

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HSBC Platinum Credit Card
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