Horizon Bank Credit Cards

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.

Horizon Bank Credit Card

Name	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	More Info Compare	Save with 4.99% p.a. for the first 5 months on purchases and up to 55 days interest-free.

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Types of credit cards from Horizon Bank

• 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 with other low rate cards.

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

You can apply for a Horizon Bank credit card by filling in a secure application form on the bank's website. 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.

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:

• Bendigo Bank credit cards
• Great Southern Bank credit cards
• Heritage Bank credit cards

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 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.

Contact details and related links

• Horizon Bank phone number: 1300 366 565
• Lost and stolen cards: 1300 366 565 during work hours, 1800 648 027 after hours or +61 2 8299 9101 overseas
• Horizon Bank home loans
• Horizon Bank savings and bank accounts

Compare other products from Horizon Bank

• Horizon Bank home loans
• Horizon Bank savings accounts
• Horizon Bank personal loans

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

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Amy has written 565 Finder guides across topics including:

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