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.

Customs Bank Credit Cards

Rates last updated December 7th, 2016
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.

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
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) Up to 55 days on purchases More info
Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
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.

How do I become a Customs Bank member?

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.

Does it take long to complete the online credit card application?

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.

Can I check my Customs Bank credit card application’s status?

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

How can I make repayments?

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.

Can I get an additional card, and if so, how?

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.

How often do I receive a credit card statement and is there anything I need to know?

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.

Are the purchase and interest rates of the Customs Bank Visa Credit Card the same?

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

What is the minimum credit limit and can I request for an increase?

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.

Are there any limitations on balance transfers?

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.

What should I do to report a lost or stolen card?

You should call Customs Bank immediately.

Back to top
Was this content helpful to you? No  Yes

American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

Ask a question
feedback