Customs Bank Credit Cards

customs bank logoFind out how a Customs Bank credit card can benefit you

Customs Bank, a division of Police Bank, is a financial institution that caters to Australian Customs and Border Protection Service employees, as well as their family members and friends. All members are shareholders who receive equal voting rights, and any profit goes into providing members more benefits.

Customs Bank has service centres in Sydney, Canberra, and Melbourne, and
Customs Bank members can also access the Police Bank service centre network spread across New South Wales and the Australian Capital Territory. Customs Bank offers its members savings and investments accounts, credit cards, different types of loans, and insurance solutions. Discover the benefits of a Customs Bank credit card below.

Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Customs Bank Visa Credit Card
No annual for the first year and a low balance transfer rate offer.
10.76% p.a. 0% p.a. for 9 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) More info

Types of credit cards Customs Bank offers

If you’re looking for a no-frills credit card, Customs Bank might have just the card for you.

  • Low rate credit cards

If you're looking for a basic card that gives you access to credit and helps keep your costs low, a low rate card might be for you. The Customs Bank Visa Credit Card charges a low ongoing interest rate, and it also gives you up to 55 interest-free days on purchases. You can use this card for balance transfers and get an introductory 0% p.a. interest rate on balance transfers for the first 9% p.a. months. What also helps is that you don’t have to pay any annual fee for the first year, although you subsequently pay a nominal annual fee for the life of the card.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Customs Bank Visa Credit Card
10.76% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
0% p.a. for 9 months
No annual for the first year and a low balance transfer rate offer.

Compare up to 4 providers

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Enjoy exclusive offers with the home&Away Privilege Program, and the ability to pay with Apple Pay.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Receive exclusive ticket and lifestyle offers through Visa Entertainment and the security of Falcon Fraud protection.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Features platinum insurance covers including Extended Warranty, Price Guarantee and Purchase Cover Insurance.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Offers a long term balance transfer rate of 0% for 24 months and up to $25 off your first Uber ride.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic low fee, low ongoing rate card that calculates interest from the monthly statement date.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Includes four complimentary travel insurances, concierge service and complimentary purchase insurance covers.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Get peace of mind with ANZ Falcon security protection and Mastercard's Zero Liability Guarantee.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Take advantage of overseas travel insurance, purchase cover insurance, price guarantee cover and extended warranties.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Gain access to Visa Global Customer Assistance Services and add an additional cardholder at no cost.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn 1.00 Membership Rewards point per $1 spent and receive a $50 credit when you meet the eligibility criteria.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Choose to get the protection of CreditShield Edge and enjoy the convenience of Visa PayWave.
Westpac Low Rate Card
0% p.a. for 6 months (reverts to 13.49% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 12 months
Get an additional cardholder at no extra cost and take advantage of Visa PayWave and Samsung Pay.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Add one additional cardholder at no extra cost and enjoy the protection of secure shopping and fraud monitoring.

Compare up to 4 providers

Learn more about low rate credit cards

Benefits of banking with Customs Bank

As a member of Customs Bank you can look forward to benefits like reduced fees and charges, and getting a credit card through this credit union comes with several advantages.

  • Reduced fees program

The drawn down balance on your credit card account can contribute to Customs Bank’s reduced fees program. This can result in reduced or eliminated fees for your ATM and EFTPOS transactions as well as personal cheques. This program takes into account the combined balances of all your Customs Bank savings accounts, investments accounts, and loans.

  • Worldwide access

When you opt for a Visa credit card, you know that you'll be able to use it in more than 29 million merchants the world over. This is the case with the Customs Bank Visa Credit Card. You can withdraw cash from any ATM displaying the Visa logo using your card, and it will also come in handy when making purchases or paying bills online or over the phone.

  • Visa card advantages

You can use this payWave enabled card at payWave terminals to make contactless purchases, as long as the total is under $100. When you do use your card you'll know your transactions are secure with microchip technology and services like Verified by Visa. This provides additional security when you use this card for online transactions, assessing the risk of each transaction, and requiring personal details if it detects suspicious activity. Visa Entertainment also gives cardholders access to variety of exclusive services which include presale tickets to premier events.

  • Easy access to account information

While your credit card statement gives you a detailed breakdown of your credit card usage in the preceding month, you can turn to Customs Bank’s online or phone banking platforms to get details from any time period, and you can also use these platforms for other functions like transferring funds, paying bills, and applying for limit increases.

Applying for a Customs Bank credit card

You can visit a Customs Bank service centre to apply for its Visa credit card and you can also begin the process over the phone. If you wish to apply online, click on the ‘Go to Site' button located next to the card’s details. To apply, you have to meet the following:

Eligibility criteria

  • You should be over 18 years of age
  • You should be a permanent resident of Australia
  • You should not have bad credit history

The Customs Bank credit card application is not unlike other credit card applications, and requires you to part with a variety of information, which includes the following.

Required documents

  • Personal details. This section requires your name, date of birth, marital status, number of dependents, residential address, residential status, phone number and email address.
  • Income details. Provide your employment status, your employer’s name and contact details and monthly income from all sources.
  • Assets. Your assets include real estate, vehicles, savings, and investments.
  • Expenses. Provide details about monthly living expenses and all other recurring expenses. You also have to provide details about your existing debts like loans, credit and store cards, line of credits, and overdrafts.

What happens after I apply?

After you submit your application, a Customs Bank rep might get in touch with you for additional information. A call to verify employment and income might be made to the payroll department at your workplace, and if the payroll department know of this call in advance it can help save time. Non-members have to apply for Customs Bank membership upon finding out about their cards’ pre-approval in order to receive their cards. New members have to complete an identity verification process, which is a Federal requirement.

Frequently asked questions

Here are answers to some of the most frequently asked questions about Customs Bank credit cards, and you can leave behind a question of your own by using the form at the bottom of this page.

Simply apply to become a member by visiting a Customs Bank service centre or online. You don’t have to pay any membership fee to join, and all you have to do is promise to pay $10 should this organisation cease to operate.

You can complete the online application in 10 to 15 minutes, provided you have access to all the required information. If you want you can save your application in between and get back to it later.

Yes, you can check your application’s status by visiting the Customs Bank website or by calling Customs Bank’s assistance centre.

Mailing your payments via cheques remains an option, and you can also make payments in person by visiting a Customs Bank service centre. You can set up automatic repayments using just about any Australian bank account, and you can also make repayments via phone and online banking.

You can get an additional card for anyone aged over 16 years, and you can request one over the phone or by visiting a Customs Bank service centre.

You receive a periodical credit card statement each month. Your statement shows details surrounding all purchases, cash advances, balance transfers, payments, refunds, interest and charges applied to the account in the given period.

Yes, the Customs Bank Visa Credit Card charges the same low ongoing rate for purchases as well as cash advances.

The minimum credit limit of the Customs Bank Visa Credit Card is $1,000, and while you can apply for an increase in your card’s limit, approval is subject to you meeting certain credit criteria.

The balance of your account after a balance transfer cannot exceed your card’s credit limit, and the minimum you can transfer is $500. In addition, the account you're transferring the balance from should be in good standing.

You should call Customs Bank immediately.

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