CIRCLE Alliance Bank Credit Cards

CIRCLE Alliance Bank offers a Visa credit card that you can use to make payments anywhere Visa is accepted, including overseas, online and for everyday shopping. It has a purchase rate of 14.5% p.a. and also offers up to 55 interest-free days on purchases. Use this guide to learn more about your credit card options with CIRCLE Alliance, as well as the benefits you can get as a member of the bank.

CIRCLE Alliance Bank credit cards

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Name	Product	Purchase rate p.a.	Interest-free period	Balance transfer rate p.a.	Annual fee
Circle Visa Credit Card		14.5%	Up to 55 days on purchases		$60	Receive a low cost credit card and up to 55 days interest free with the power of Visa.	More Info	Compare	loading Fetching your data...

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Type of CIRCLE Alliance Bank credit cards

Low rate card

The CIRCLE Alliance Bank Visa credit card offers a variable interest rate of 14.5% p.a. for both purchases and cash advances. It also has a monthly fee of $5 monthly, which works out to a yearly cost of $60 and is competitive when looking at annual fees for similar credit cards.

The benefits of banking with CIRCLE Alliance

Here's what you can look forward to if you get a CIRCLE Alliance Bank credit card:

• Discounted rate option

If you have a CIRCLE Alliance Bank Employees Benefit Savings account, you can enjoy a lower interest rate and no monthly fee when you get a CIRCLE Alliance Visa credit card.

• Visa benefits

As well as worldwide acceptance, a CIRCLE Alliance Bank Visa credit card will give you access to exclusive Visa offers with partners all around the world, along with movie, concert and live show promotions through Visa Entertainment.

• Ethical banking

CIRCLE Alliance is a member-owned bank that uses its profits to support community initiatives and charity enterprises. It is also a Certified B Corporation, which means it has been independently assessed by B Corps and meets its high social, environmental and ethical standards.

• Ethical banking

Link your CIRCLE Alliance credit card with Apple Pay, Samsung Pay or Google Pay and use your compatible device to tap and pay wherever contactless payments are accepted.

How to apply for a CIRCLE Alliance credit card

You can apply for a CIRCLE Alliance credit card online in a few minutes. To get started, make sure you meet the eligibility requirements and have all the documents and details you'll need on hand.

Eligibility criteria

• Be at least 18 years old
• Have ongoing income
• Have good credit history

Documents and details

• Personal details. This includes your name, date of birth, relationship status, number of dependent children, residential address and email address. You also need to provide your driver's license number or passport details to verify your ID.
• Employment details. This covers your income, occupation, length of employment and your employer’s name and contact details. You may also need to provide recent payslips, bank statements or your accountant's contact details to help verify these details.
• Financial information. This covers your assets, such as property, motor vehicles, home contents and savings. You also need to provide details of liabilities and expenses, including mortgage or rental payments, loans, credit cards, utility bills and grocery costs.

Alternatively, you can call CIRCLE Alliance Bank on 1300 553 582 to complete your application.

Frequently asked questions

Want to know more about CIRCLE Alliance Bank credit cards? Check out these answers to common questions or, if you have another question, get in touch with us using the comment form below.

• How long does the online application take to complete?

  You can complete the application in as little as 10 minutes, provided you have all the required information at hand.

• Can I save my application?

  Yes, you can save your application at any point and retrieve it later. You get a code when you save the application, which you can enter on the website to continue with your application.

• Can I check the status of my application?

  Yes, you can call CIRCLE Alliance Bank on 1300 553 582 at any time during the application process.

• Do CIRCLE Alliance credit cards offer rewards?

  No, there are no rewards or reward points available on a CIRCLE Alliance Bank credit card. Check out our guide on rewards credit cards to compare options that offer points and other perks.

• Can I ask for an increase of my card’s credit limit?

  Yes you can request a credit limit increase or decrease by contacting CIRCLE Alliance Bank on 1300 553 582. Alternatively, you can email info@circle.com.au. Note that credit limit requests are subject to lending criteria and approval.