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Beyond Bank is one of Australia's largest customer-owned banks and has been operating for over 60 years. It's also one of the only banks in Australia with B Corp certification that shows it puts people and the planet before profits. Beyond Bank offers one credit card, with features including a low rate for purchases, interest-free days and mobile payments.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
The Beyond Bank Low Rate Visa Credit Card has a 11.99% p.a. interest rate for purchases and cash advances. This is competitive with other low rate credit cards and much lower than the average standard credit card interest rate in Australia, which is around 20%. It also has a relatively low annual fee and other simple features.
The benefits of getting a Beyond Bank credit card
Certified B Corp
Beyond Bank is one of the few banks in Australia to have B Corp certification. This independent certification is managed by B Labs and shows that the bank meets high, verified standards of social and environmental performance, accountability and transparency.
Balance transfers
If you want to pay off an existing card with another bank, the Beyond Bank Low Rate Visa Credit Card currently offers 0% p.a. interest on balance transfers for the first 12 months. To get this interest-free period, you'll need to apply for the balance transfer within one month of receiving your card.
Interest-free days on purchases
Beyond Bank's credit card offers up to 62 interest-free days on retail purchases. In comparison, most other cards offer up to 44 or 55 days interest-free. Keep in mind you'll need to pay the total amount listed on each statement to make use of interest-free days.
Mobile wallets
You can link your Beyond Bank credit card with Apple Pay, Google Pay or Samsung Pay to make payments straight from you mobile phone or device.
Account management features
Beyond Bank offers internet, mobile and phone banking, including its own app. It also offers an AutoPay facility if you want to set up automatic, monthly repayments for the minimum amount or the total owed on your credit card.
Security
Beyond Bank credit cards give you access to Visa's Zero Liability Policy to protect you from unauthorised transactions. It also offers Visa Secure for online shopping and Smart Chip Protection to protect your account from card skimming, counterfeiting and other fraudulent activity.
How to apply for a Beyond Bank credit card
Beyond Bank has a simple, secure online application for credit cards. Before you apply, make sure you meet the eligibility criteria and have all the documents and details you'll need to complete the application.
Eligibility criteria
Age. You must be at least 18 years of age.
Australian residency status. You must be a permanent resident of Australia or an Australian citizen.
Documents and details
Personal information. This includes your full name, date of birth, residential addresses, email address and mobile phone number. You'll also need a valid form of ID, such as your driver's licence or Australian passport.
Income and employment details. You'll be asked about your current work status, your employer's name and contact details and how much you earn. You may also be asked to provide recent payslips, bank statements or other supporting documents related to your income.
Other financial details. This includes details of any savings, property or other assets you have, as well as any debts, such as other credit cards and loans. You also need to provide details of your regular expenses, such as rent, mortgage payments, bills and groceries.
What happens after applying?
Beyond Bank will contact you if more information is required. If you're approved, you'll typically get your new credit card within 5-10 business days.
Have a question about your application? Call Beyond Bank on 13 25 85.
Frequently asked questions
Beyond Bank offers credit card limits from $1,000 and gives you the option of requesting a specific credit limit when you apply. Just keep in mind that your credit limit is subject to lending criteria and assessment.
Beyond Bank low rate credit cards don’t currently offer any rewards program.
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.
The merger between Nexus Mutual and Beyond Bank was formalised on 1 March 2020 and completed on 7 June 2020, when Nexus Mutual member accounts were transferred over to Beyond Bank's systems. Before the merger, Nexus Mutual members voted on this option at a meeting on 17 February 2020, with 93.4% voting to merge.
If you were a Nexus Mutual member, you can read more about the merger on the Beyond Bank website or contact Beyond Bank on 13 25 85.
Credit card brands similar to Beyond Bank
If you want a credit card from a member-owned bank or one that's focused on sustainability, here are 3 others you can compare with Beyond Bank:
Amy Bradney-George is the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 14 years’ experience as a journalist, with a particular focus on personal finance, and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
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