In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
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Border Bank Visa Credit Card

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Border Bank Visa Credit Card
Terms and conditions apply
Purchase rate
10.76% p.a.
Annual fee for the first year ($30 p.a. thereafter)
$0 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Pay a low interest rate and save with $0 first-year annual fee.

The Border Bank Visa credit card offers one of the lowest interest rates on the market. This could help you save if you regularly carry a balance from month to month. You can also cut costs with a low annual fee of $30, which is waived in the first year you hold the card.

Pros

  • $0 first-year annual fee
  • Low 10.76% p.a. on purchases, balance transfers and cash advances
  • Up to 55 days interest-free on purchases
  • Compatible with Apple Pay, Samsung Pay and Google Pay

Cons

  • Not linked to any rewards program, meaning you won't earn rewards points for spending

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews

The Border Bank Visa Credit Card is a low cost product that offers a low 10.76% p.a. interest rate, up to 55 days interest-free and a low annual fee, which is waived for the first year. Being a Visa credit card, it also has a range of benefits offered by Visa which makes your card safer to use and means it's accepted all over the world.

Details

Product details

Product Name Border Bank Visa Credit Card
Purchase rate p.a.
10.76%
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 10.76%
Min credit limit $1,000
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee
$0 first year ($30 after)
Minimum monthly repayment 2.5% of the closing balance or $5, whichever is greater
Late payment fee $10
Foreign currency conversion fee
3%
Overseas cash advance fee 3.8%
Overseas ATM withdrawal fee $3.80

How to apply

You can apply for the Border Bank Visa credit card online. Before you apply, make sure to check if you meet the eligibility criteria and have the necessary information to complete the PDF application.

Eligibility criteria

  • Age. You must be at least 18 years old.
  • Credit history. You must have a good credit score and history.

Card benefits

  • $0 first-year annual fee. The annual fee is waived in the first year. This reverts to $30 p.a. after that.
  • Additional card. You can request an additional card at no extra cost.

Rates & fees

  • Interest rate. Your purchase and cash advance transactions will attract a 10.76% p.a. interest rate.
  • Interest-free days. You can access up to 55 interest-free days on purchases when you pay your balance in full by the statement due date.

Your reviews

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