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 on 1 April 2021 and was 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 got similar service and access to Horizon Bank's products and services. 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.

Horizon Bank Credit Cards

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Horizon Bank (previously known as Horizon Credit Union) is a customer-owned financial institution based on the south coast of NSW.
It has one Visa credit card, which offers a low rate, no annual fee and mobile payments through Apple Pay, Google Pay and Samsung Pay.

Comparison of Horizon Bank Credit Cards

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Horizon Bank Visa Credit Card	Purchase rate p.a. 4.99% for 5 months, then 12.95%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 4.99% for 5 months with 0% balance transfer fee, then 12.95%	Annual fee $49	Save with 4.99% p.a. for the first 5 months on purchases and up to 55 days interest-free.	View details Compare product selectionCompare	loading

Benefits of getting a credit card with Horizon Bank

Digital 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

Horizon Bank credit cards can be used in over 200 countries around the world, anywhere Visa is accepted. 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

Visa Zero Liability helps protect Horizon credit card accounts from losses due to fraudulent trasactions. If your card is lost, stolen or you think it might have been compromised, you can also 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 Bankwest 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 Horizon Bank

If you want a credit card from a customer-owned bank or one with a regional focus, here are 3 other credit card providers you could compare with X:

Frequently asked questions

The merger between Horizon Bank and Lysaght Credit Union took place on 1 April 2021 and was 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 got similar service and access to Horizon Bank's products and services.
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.

Sources

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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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Amy has written 504 Finder guides across topics including:

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Horizon Bank Credit Cards

Horizon Bank offers credit cards with simple, low-cost features and customer-owned banking benefits.