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.
Compare Beyond Bank credit cards
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Types of credit card from Beyond Bank
Low rate credit card
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.
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.
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.
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.
- 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
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:
Important details and related links
- Beyond Bank customer service phone number: 13 25 85
- Beyond Bank Flexi Personal Loan
- Beyond Bank savings and bank accounts
Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.
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Beyond Bank Low Rate Visa Credit Card
The Beyond Bank Low Rate Visa offers 0% on balance transfers for 12 months, up to 62 interest-free days on purchases and a low annual fee.
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