Horizon Bank Credit Cards

Horizon Bank has one Visa credit card option, which offers a low rate, no annual fee and mobile payments through Apple Pay, Google Pay and Samsung Pay. Here, we'll go through the key details of this card, as well as features available to members of Horizon Bank.

Horizon Bank Credit Card

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Name	Product	Purchase rate	Interest-free period	Annual fee	Balance transfer rate
Horizon Bank Visa Credit Card		4.99% p.a. for 5 months, reverts to 12.95% p.a.	Up to 55 days on purchases	$0	4.99% p.a. for 5 months	Save with 12.95% p.a. on purchases. Plus, enjoy $0 annual fee for the life of the card.	More Info	Compare	loading Fetching your data...

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Types of Horizon Bank credit cards

• Low rate credit cards

The Horizon Bank Visa credit card has a low interest rate of 12.95% and an introductory rate for new cardholders. It also has no annual fee for life, which is very competitive for a low rate card.

Learn more about low rate credit cards

Benefits of banking with Horizon Bank

Some of the key benefits you can get when you choose a Horizon Bank credit card are listed below.

• Mobile wallets

You can add the Horizon Bank Visa credit card to Apple Pay, Google Pay or Samsung Pay and make payments straight from your mobile phone or another compatible device.

• Visa benefits

You can use a Horizon Bank credit card to shop in person, online or over the phone, anywhere Visa is accepted. Plus, if you're shopping in person, you can just tap to pay and won't need to enter a PIN if the purchase is under $100. You can also get access to deals for shopping, dining, entertainment and travel through Visa Offers + Perks.

• Security

A Horizon Bank credit card comes with Visa zero liability for fraudulent transactions to help keep your money safe. If your card is lost, stolen or you think it might have been compromised, you should report it to Horizon Bank by calling 1300 366 565 during office hours (Mon-Fri, 8:30am-5pm) or call the 24/7 Visa hotline on 1800 648 027.

How to apply for a Horizon Bank credit card

You can apply for a Horizon Bank credit card online by filling in a secure application form. To get started, make sure you meet the eligibility criteria and have all the documents and details you'll need to complete the application.

Eligibility criteria

• Australian residency status. You must be a citizen or permanent resident of Australia.
• Income. You must be employed or receive a regular income.
• Credit history. You can apply for this card as long as you have not declared bankruptcy or insolvency – or had any defaults on loans, cards and other financial products – in the past five years.
• Age. You must be at least 18 years of age.

Documents and details

• Personal details. This includes your full name, date of birth, residential address, contact details and marital status. You also need to provide a valid form of ID, such as your driver's licence, passport or Medicare number.
• Employment details. As well as your regular income, this includes your profession, length of employment and your employer's contact details. You may also need to provide recent payslips or bank statements to help verify these details.
• Financial details. This includes any other forms of income, assets and savings, as well as existing loans, credit cards and other debts. You also need to estimate your share of regular household expenses, such as rent or mortgage payments, utility bills and grocery spending.

If you have any questions about the application, you can call Horizon Bank on 1300 366 565 or visit a branch.

Frequently asked questions

• How can I check the status of my application?

  You can call Horizon Bank on 1300 366 565 to check on your application or ask any questions. If you're calling after you have completed the application, you'll receive a reference number once the details are passed on to a loans officer. You can quote this number when calling to help Horizon Bank find your application details.

• Is the cash advance rate the same as the purchase rate?

  Yes, the interest rate on the Horizon Bank Visa credit card applies for all transactions. Note that cash advances also attract a cash advance fee.

• Does this credit card offer rewards?

  No, this credit card does not offer any rewards or reward points. If you're interested in earning rewards for your spending, you can compare rewards cards here.

• When did Horizon Bank merge with Lysaght Credit Union?

  The merger between Horizon Bank and Lysaght Credit Union took place last 1 April 2021 and will be completed by 29 May 2021.

  Since Horizon Credit Union Ltd is trading under the name Horizon Bank but remains a customer-owned banking institution, Lysaght Credit Union members can still enjoy the same services they used to and by the 29th of May, they will also be able to gain access to Horizon Bank's products & services such as making cash deposits, cash withdrawals, or conducting BPAY transactions.

  If you were a Lysaght Credit Union member, you can read more about the merger on the Horizon Bank website or contact Horizon Bank on 1300 366 565.