Border Bank Credit Cards

Border Bank offers a low-cost Visa credit card with simple features and mobile payment options. While Border Bank is set up to offer banking to the wider Department of Home Affairs community (including Australian Border Force workers), anyone can become a member and apply for a credit card if they meet the other requirements. You can use this guide to learn more about getting a credit card with Border Bank, including key features of the card and how to apply.

Border Bank credit card

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Name	Product	Balance transfer rate	Purchase rate	Annual fee	Amount saved
Border Bank Visa Credit Card		10.76% p.a.	10.76% p.a.	$0 annual fee for the first year ($30 p.a. thereafter)		Take advantage of a $0 first-year annual fee and up to 55 days interest-free on purchases.	More Info	Compare	loading Fetching your data...

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Types of Border Bank credit cards

• Low rate credit card

The Border Bank Visa credit card has an interest rate of 10.76%, which is competitive with other low rate credit cards. It has a $30 annual fee, which is waived in the first year, and offers up to 55 interest-free days on purchases.

Benefits of banking with Border Bank

If you're interested in getting a Border Bank credit card, some of the key features you'll be able to access include:

• Reduced fees program

The balance on your credit card account can contribute to Border Bank’s reduced fees program, which is designed to help you save on transaction fees for different accounts you hold with Border Bank. You can learn more on the Border Bank website.

• Visa benefits

You can use a Border Bank credit card in-store, online, over the phone and at ATMs – wherever Visa cards are accepted. You also get access to deals on shopping, dining, entertainment and travel through Visa Offers + Perks.

• Mobile wallets and contactless payments

If you have Apple Pay, Google Pay or Samsung Pay, you can add this card to your account and make payments straight from your phone or other compatible device. In store, you can just tap to pay – either with your device or with the Visa card.

Applying for a Border Bank credit card

You can apply for a Border Bank credit card online by filling in a secure application form on the bank's website. Alternatively, you can call Border Bank on 132 267 or visit one of its branches. To get started, make sure you meet the following eligibility criteria and have all the documents and details you'll need to complete the application.

Eligibility criteria

• Australian residency status. You must be a citizen or permanent resident of Australia.
• Income. You must have a regular income and be able to make your repayments.
• Age. You must be be over 18 years of age.

Documents and details

• Personal details. This section requires your name, date of birth, marital status, number of dependents, residential address, marital status, phone number and email address. You also need to provide a valid form of ID, such as your driver's licence.
• Employment details. You need to provide details of your income, employment status, length of time in your current occupation and your employer’s name and contact details. You also need to provide recent payslips or bank statements to help verify these details.
• Financial details. This covers any other forms of income, savings, investments and other assets, as well as your existing loans, credit cards and other debts. You also need to share details of your regular household expenses such as rent or mortgage payments, utility bills and grocery shopping. You can also submit bank statements that confirm these details.

If you have any questions about the application or want to check on its status, call Border Bank on 132 267, visit a branch or get in touch through the website.

Frequently asked questions

Want to know more about Border Bank credit cards? Here, we've answered some of the most common questions. You can also get in touch by filling in a contact form below.

• How do I become a Border Bank member?

  You can apply for membership online or by visiting a Border Bank branch. There is no membership fee to join, but you do need to agree to pay $10 if the bank ever ceases to operate. This fee is designed to cover the cost of administration involved in ceasing operations.

• How long does it take to complete the online credit card application?

  The online application takes around 10 to 15 minutes if you have all the key documents and details ready. You also have the option of saving your application and coming back to it later if you need more time to get all the required details.

• How can I make repayments?

  The repayment options and details of how to pay your credit card will be shown on your monthly account statement. Payment options include the following:

  • Electronic payments from your Australian bank account
  • Transfers from another Border Bank account
  • Bank@Post bill payments made at Australia Post
  • Payment at a Border Bank branch

  If you have questions about your statement or account, call Border Bank on 132 267. You can also learn more about credit card repayments in this guide.

• What should I do if my card is lost or stolen?

  Report it to Border Bank by calling 132 267 from Australia or +612 9287 0888 from overseas (8am-6pm AEST, Mon-Fri). Outside of office hours, call 1300 705 750 from Australia or +612 8299 9534 from overseas.

  If you have the Border Bank mobile app, you can also report your card as lost or stolen by selecting "Cards" from the main screen and then selecting the "report lost or stolen card" button.

• How can I close my credit card account?

  If you want to cancel your Border Bank credit card, you can fill in a credit card cancellation request form on the Border Bank website. Alternatively, call Border Bank on 132 267. Note that you will have to pay the entire card's balance before the account can be completely closed. You can learn more about cancelling a credit card in this guide.

Image: Border Bank