Border Bank Credit Cards

Border Bank is a division of Police Bank, which is one of the largest mutual banks in Australia. It's focused on offering banking products and services to the Department of Home Affairs community (including Australian Border Force workers) but anyone can apply to become a member. The Border Bank Low Rate Visa is its only credit card and has a low interest rate, low annual fee and simple features.

Compare Border Bank credit card features

Name	Purchase rate p.a.	Annual fee	Balance transfer rate p.a.	Amount Saved
Border Bank Visa Credit Card	Purchase rate p.a. 10.76%	Annual fee $0 first year ($30 after)	Balance transfer rate p.a.		More Info Compare	Take advantage of a $0 first-year annual fee and up to 55 days interest-free on purchases.

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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 much lower than the average credit card interest rate in Australia of around 20%. Its $30 annual fee is also competitive with other low rate credit cards and is is waived in the first year.

Benefits of a Border Bank credit card

Some of the key features you can get with a Border Bank card 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 over 200 countries and regions around the world through the Visa network. You also get access to deals on shopping, dining, entertainment and travel through Visa Offers + Perks.

• Digital 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.

How to apply

You can apply for a Border Bank credit card online by filling in a secure application form on the bank's website. Or, call 132 267 or visit a Border Bank branche. 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 your application call Border Bank on 132 267. You can also check out Finder's credit card application tips for more insights on what's considered and what to include when you apply.

Credit card brands similar to Border Bank

If you want a credit card from a member-owned bank or one that's focused on people working in government or law enforcement, here are 3 other credit card providers you could compare with Border Bank:

• Australian Military Bank credit cards
• Firefighters Mutual Bank credit cards
• Police Bank credit cards

Frequently asked questions

• 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 if you need more time. If you're not a member, you'll need to complete an identity verification process that could also take time, especially if you're not near a branch. Contact Border Bank on 132 267 if you have any questions about the process and how long it will take.

• How can I make repayments?

  The repayment options and details of how to pay your credit card will be shown on your monthly Border Bank credit card 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

• 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.

Contact details and related links

• Border Bank phone number: 132 267
• Lost or stolen card support: 132 267 in Australia or +612 9287 0888 overseas during office hours (AEST)
  Outside office hours call 1300 705 750 in Australia or +612 8299 9534 overseas
• Border Bank savings accounts