Beyond Bank Credit Cards

Compare Beyond Bank credit cards

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Purchase rate p.a.	Annual fee	Balance transfer rate p.a.	Amount Saved
Beyond Bank Low Rate Visa Credit Card	Purchase rate p.a. 11.99%	Annual fee $59	Balance transfer rate p.a. 0% for 12 months with 0% balance transfer fee, then 11.99%	$868.32 over 12 months	Receive up to 62 days interest-free on purchases, 0% balance transfer offer and up to 4 additional cardholders at no extra cost.	ContinueMore info Compare product selection Compare	loading

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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

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age, and you'll need to meet minimum income requirements (which vary depending on the card). 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.

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:

• Bank Australia credit cards
• Community First credit cards
• Teachers Mutual Bank credit cards

Frequently asked questions

• What is the credit limit on a Beyond Bank credit card?

  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.

• 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 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.

• When did Nexus Mutual merge with Beyond Bank?

  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 contact Beyond Bank on 13 25 85.

Written by

Amy Bradney-George

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
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