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Horizon Bank Credit Cards

Find out about the low-cost credit card options you can get through Horizon Bank.

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Horizon Bank

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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

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Horizon Bank Visa Credit Card
4.99% for 5 months, reverts to 12.95% p.a.
Up to 55 days on purchases
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.

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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

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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Qantas American Express Premium Card
20.74% p.a.
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.

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* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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