Defence Bank Credit Cards

Defence Bank credit card

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Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Defence Bank Foundation Credit Card	Purchase rate p.a. 3.99% for 6 months, then 8.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 3.99% for 6 months with 0% balance transfer fee, then 8.99%	Annual fee $45	Offers 3.99% p.a. interest for 6 months on purchases, balance transfers and cash advances.	ContinueMore info Compare product selection Compare	loading

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Benefits of getting a credit card with Defence Bank

Support a charitable cause

The Defence Bank Foundation has been set up to support the defence community. All funds go towards the Defence Community Dogs' program, which rescues dogs from pounds and shelters, trains them with the help of inmates in correctional centres, then provides the dogs free of charge to veterans. If you get a Defence Bank Foundation credit card, half of your annual fee will go towards this program – meaning you can support it when you apply for a credit card. If you're interested, visit the Defence Community Dogs' website for more information on this program.

Online and mobile banking

Keep track of your account balance, check statements and manage your account details from anywhere with Internet banking or the Defence Bank mobile app. You can also visit a branch or call 1800 033 139 for phone banking.

Visa card benefits

You can use a Defence Bank Foundation credit card to make payments in-person or online wherever Visa cards are accepted. It also comes with Visa's contactless payment technology, so you can tap-and-pay without entering a PIN for purchases under $200. Plus, take advantage of exclusive deals on shopping, dining, entertainment and travel through Visa Offers + Perks (listed on the Visa website).

Digital wallets and contactless payments

You can add the Defence Bank Foundation Credit Card to your Apple Pay, Google Pay, or Samsung Pay wallet. It can also be used with Garmin Pay to make payments straight from your mobile phone or other smart devices.

How to apply for a Defence Bank credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Credit card brands similar to Defence Bank

If you want a credit card from a member-owned bank or one that's focused on veterans, or people working in government or law enforcement, here are 3 other credit card providers you can compare:

• Australian Military Bank credit cards
• Border Bank credit cards
• Police Bank credit cards

Frequently asked questions

• Does Defence Bank offer a rewards credit card?

  Defence Bank does not currently offer any rewards credit cards.

• What is the minimum repayment I have to make?

  The minimum monthly repayment you have to make depends on the outstanding balance, and as a result, can vary from one month to the next. This is calculated as 3% of the outstanding balance or $10 whichever is greater.

• How do I apply for a balance transfer?

  If you wish to transfer balances from existing credit cards to this card, you should initiate the process when you apply for the card. You'll have to submit all relevant details. Just how much you can transfer depends on your Defence Bank Foundation credit card limit.

• I have a Defence Bank True Blue credit card – is it still valid?

  Yes. While the Defence Bank True Blue is no longer available for new applications, existing cardholders can continue using it. Note that if you already have a True Blue credit card, you won't be eligible for the introductory offer on the Defence Bank Foundation credit card.

• Can I close my Defence Bank Foundation credit card account?

  Yes, you can cancel your credit card by calling Defence Bank on 1800 033 139 or by visiting a branch. Note that you will need to pay off the card's balance in full (or balance transfer it) before the account can be closed.

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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