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.
Border Bank Visa Credit Card
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- 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.
As a Visa credit card, you can get access to exclusive deals on your shopping through Visa Offers + Perks. You can also make contactless payments with the card or with a mobile device that's set up with Apple Pay, Google Pay or Samsung Pay.
Pros
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$0 first-year annual fee
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Low 10.76% p.a. on purchases, balance transfers and cash advances
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Up to 55 days interest-free on purchases
Cons
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Not linked to any rewards program, meaning you won't earn rewards points for spending
Details
Product details
| Product Name | Border Bank Visa Credit Card |
| Purchase rate p.a. | Purchase rate p.a.10.76% |
| Interest-free days | 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 |
| Rewards points cap | 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 |
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