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IMB Credit Cards

As of September 2023, IMB credit cards are no longer available for new applications.

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IMB

IMB has a history dating back to 1880, when it was established as a building society in the Illawarra region of NSW. It now has branches across Sydney, the NSW South Coast, the ACT and Melbourne, as well as digital banking options.

It previously offered a low interest credit card and a platinum rewards credit card, issued by Card Services. But as of September 2023, these cards are not available for new applications. If you are a customer, you can contact Card Services on 1300 135 538. You can also view the previous details for IMB credit cards here, or compare a range of credit cards currently on the market in Australia.

Compare credit cards currently available in Australia

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Name Purchase rate p.a. Annual fee Balance transfer rate p.a. Amount Saved
Qantas Premier Platinum
Qantas Frequent Flyer
Purchase rate p.a.
19.99%
Annual fee
$349 first year ($399 after)
Balance transfer rate p.a.
0% for 12 months with 2% balance transfer fee, then 21.99%
$578.32 over 12 months
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Up to 100,000 Bonus Points
Earn up to 100,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers.
St.George Vertigo Card
Purchase rate p.a.
13.99%
Annual fee
$55
Balance transfer rate p.a.
0% for 28 months with 1% balance transfer fee, then 21.49%
$1,780.59 over 28 months
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0% Balance Transfer Offer
Get a 0% p.a. interest rate on balance transfers for 28 months (with a 1% balance transfer fee).
NAB Low Rate Credit Card
Purchase rate p.a.
13.49%
Annual fee
$0 first year ($59 after)
Balance transfer rate p.a.
0% for 28 months with 2% balance transfer fee, then 21.74%
$1,768.59 over 28 months
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0% Balance Transfer Offer
Get a 0% p.a. interest rate on balance transfers for the first 28 months (with a 2% BT fee). Plus, save with a $0 first-year annual fee.
ANZ Rewards Black Credit Card
Finder Award
ANZ Rewards Program
Purchase rate p.a.
20.99%
Annual fee
$375
Balance transfer rate p.a.
21.99%
Go to siteMore Info
180,000 Bonus Points & $150 back
Get 180,000 bonus ANZ Reward Points (worth $800+ in digital gift cards) and $150 back when you spend $3,000 in the first 3 months.
American Express Qantas Business Rewards Card
Qantas Business Rewards
Purchase rate p.a.
0%
Annual fee
$450
Balance transfer rate p.a.
N/A
Go to siteMore Info
170,000 Bonus Qantas Points Offer
(ABN holders w/ $75k revenue). Earn 170,000 bonus Qantas Points when you spend $6,000 in the first 3 months.
Kogan Money Card – Exclusive Offer
Exclusive
Kogan Rewards Program
Purchase rate p.a.
9.99% for 18 months, then 20.99%
Annual fee
$0
Balance transfer rate p.a.
0% for 18 months with 2% balance transfer fee, then 21.74%
$1,335.99 over 18 months
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0% Balance Transfer Offer
Save with 0% p.a. interest on balance transfers (with a 2% BT fee) and 9.99% p.a. on purchases, both for 18 months, plus, an ongoing $0 annual fee.
ANZ Rewards Platinum - Velocity Points
Velocity Frequent Flyer
Purchase rate p.a.
20.99%
Annual fee
$149
Balance transfer rate p.a.
21.99%
Go to siteMore Info
Get up to 100,000 bonus Velocity Points: 70k points when you spend $2,000 in the first 3 months and 30k points after 15 months.
ANZ Platinum Credit Card
Purchase rate p.a.
20.99%
Annual fee
$0 first year ($87 after)
Balance transfer rate p.a.
21.99%
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$300 back & $0 First-Year Annual Fee
Get $300 back on your card when you spend $1,500 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.
Qantas American Express Ultimate Card
Qantas Frequent Flyer
Purchase rate p.a.
23.99%
Annual fee
$450
Balance transfer rate p.a.
N/A
Go to siteMore Info
60,000 bonus Qantas Points
Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit. Ends 28 May 2024.
Westpac Low Rate Card
Purchase rate p.a.
13.74%
Annual fee
$59
Balance transfer rate p.a.
0% for 28 months with 2% balance transfer fee, then 21.49%
$1,768.59 over 28 months
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0% Balance Transfer Offer
Save with a 0% p.a. interest rate on balance transfers for 28 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
American Express Velocity Platinum Card
Velocity Frequent Flyer
Purchase rate p.a.
23.99%
Annual fee
$375
Balance transfer rate p.a.
N/A
Go to siteMore Info
60,000 Bonus Velocity Points
Get 60,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year.
ANZ Rewards Platinum
ANZ Rewards Program
Purchase rate p.a.
20.99%
Annual fee
$149
Balance transfer rate p.a.
21.99%
Go to siteMore Info
100,000 Bonus Points and $50 back
Get 100,000 bonus ANZ Reward Points (worth $440 in eGift cards) and $50 back when you spend $2,000 on eligible purchases in the first 3 months.
ANZ Low Rate - Credit Back Offer
Purchase rate p.a.
13.74%
Annual fee
$58
Balance transfer rate p.a.
21.99%
Go to siteMore Info
$250 Credit back
Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
CommBank Ultimate Awards Credit Card
CommBank Awards Program
Purchase rate p.a.
20.99%
Annual fee
$420
Balance transfer rate p.a.
N/A
More Info

Earn up to 3 Awards points per $1 spent and enjoy 0% foreign fees & included international travel insurance.
NAB Rewards Signature Card
NAB Rewards
Purchase rate p.a.
20.99%
Annual fee
$145 first year ($295 after)
Balance transfer rate p.a.
0% for 12 months with 3% balance transfer fee, then 21.74%
$782.32 over 12 months
More Info
Up to 160,000 Bonus Points & First-Year Annual Fee Discount
Earn up to 160,000 bonus NAB Rewards Points (worth $780 in eGift cards): 120k points when you spend $3,000 in the first 60 days and 40k after 12 months.
St.George Amplify Qantas Platinum
Qantas Frequent Flyer
Purchase rate p.a.
19.49%
Annual fee
$174 first year ($199 after)
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 21.49%
$1,338.89 over 24 months
More Info
Up to 70,000 Bonus Points & First-Year Annual Fee Discount
Earn up to 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 24 months with a 1% BT fee and first-year annual fee discount.
Macquarie Black Card
Macquarie Credit Card Rewards Program
Purchase rate p.a.
20.7%
Annual fee
$149
Balance transfer rate p.a.
N/A
More Info
0% Foreign Currency Conversion Fees
Get 2 points per $1 spent and complimentary travel insurance. Plus, 0% foreign transaction fees.
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IMB credit cards update - September 2023: IMB credit cards are not available for new applications. If you are a customer, you can contact Card Services on 1300 135 538 or visit an IMB branch. We have kept the previous details for IMP credit cards here for existing customers and anyone else who is interested.

Types of credit cards from IMB

  • Low rate credit cards

The IMB Low Rate Mastercard has a 12.99% p.a. interest rate for purchases, which is similar to other low rate credit cards. It also offers interest-free days on purchases when you pay your balance in full by the due date on each statement, as well as complimentary purchase insurance cover and a guaranteed pricing scheme for eligible purchases. Outside of any promotions, it has a $75 annual fee that's on par with other, similar cards.

  • Platinum credit cards

The IMB Platinum Rewards Mastercard earns 1 rewards point per $1 on eligible spending, which you can redeem for gift cards, frequent flyer point transfers and other rewards through the Card Services Rewards Program.

Other perks include complimentary international travel insurance, interstate flight inconvenience insurance when you're flying in Australia and a platinum concierge service. It has a $129 p.a. annual fee, which could be waived if you also have an IMB home loan.

Benefits you can get with an IMB credit card

  • Complimentary insurances

Both IMB credit cards offer complimentary purchase cover insurance and a guaranteed pricing scheme for eligible items you buy. The IMB Platinum Rewards Mastercard also includes complimentary international travel insurance and interstate flight inconvenience insurance.

  • Discounted and waived annual fees

The Low Rate Mastercard comes with a discounted first-year annual fee of $37. If you are a home loan customer, you can also enquire in-branch about the no fee credit card offer if you have the Platinum Rewards Mastercard.

  • Security

IMB credit cards offer 24/7 fraud monitoring through Fraudshield. Mastercard Zero Liability protection also helps keep your money safe if your card is used for fraud or unauthorised transactions.

  • Banking

IMB offers internet and a mobile app. You can also call 133 462 to bank over the phone, or visit one if its branches – with a search tool on its website.

  • Mastercard benefits and offers

IMB credit cards can be used anywhere Mastercard is accepted, including for contactless payments. You also get access to exclusive shopping, dining, travel and experience offers through Mastercard Priceless.

Applying for an IMB credit card

You can apply for an IMB credit card online in around 15 minutes. Before you apply, make sure you meet the following eligibility criteria and have all the documents and details you'll need to complete the application.

Eligibility criteria

  • Age. You must be at least 18 years of age.
  • Australian residency. You must be an Australian citizen or a permanent resident of Australia.
  • Minimum income. To apply for the IMB Low Rate Mastercard, you need a minimum income of per year. For the IMB Platinum Rewards Mastercard, you need a minimum income of to apply.

Documents and details

  • Personal. This includes your name, date of birth, residential address and contact information. You also need a valid form of ID, such as your Australian driver's licence or Medicare card details.
  • Employment. This includes your occupation, employer’s name and employer’s contact details.
  • Income and expenses. This covers your regular income and other assets, such as savings or investments. It also covers expenses including rent or mortgage payments, groceries, bills and other essentials – as well as existing loans, credit cards, store cards and other debts.

Once you submit your application, you'll receive confirmation and details of the next steps. IMB credit cards are issued by Card Services, so if you have any questions or want to follow up on your application, you can call Card Services on 1300 135 538 or IMB on 133 462.

Credit card brands similar to IMB

If you're looking for a credit card options similar to what is on offer from IMB, you can consider the following brands:

Frequently asked questions

Image: IMB

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4 Responses

    Default Gravatar
    cherileeJune 20, 2014

    Good day i just start work at a new call centre in durban in south africa. And this company called phenomenon with simply talk sa is selling the same IMB mastercard debit card. Are u aware that they say that IMB is back up by standard bank card division? I went to my local standard bank and they have not heard of IMB. so i don’t know if the company is a scam or not. Please find out if south africa is offering IMB? thanks

      AvatarFinder
      ShirleyJune 20, 2014Finder

      Hi Cherilee,

      Thanks for your question.

      IMB is a building society in Australia, it’s very unlikely that they will be offering products in South Africa.

      Cheers,
      Shirley

    Default Gravatar
    AnthonyOctober 11, 2013

    Can I access my statement online?

      AvatarFinder
      JacobOctober 14, 2013Finder

      Hi Anthony.

      IMB offer online banking services. You can use IMB Internet Banking to receive your credit card statements online. You will need to register for Internet Banking before you can receive online statements.

      Thanks for your question.

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