Enjoy worldwide acceptance, the latest digital payment technology and exclusive perks with a Visa credit card.
While doesn't issue its own credit cards or lines of credit, it functions as a third-party payment processor. As such, many Australian credit cards come equipped with Visa functionality. This means that you can use your card for in-store, online and over-the-phone transactions in 200 locations around the world. Visa cardholders can also look forward to perks including Visa payWave, exclusive offers for Visa customers and the security of Verified by Visa.
Use this guide to compare Visa credit cards, discover the perks of using a Visa and the factors you should consider before applying for one.
VISA Credit Card Offer
Apply HSBC Platinum Credit Card and enjoy a long-term balance transfer offer with an annual fee refund each year when you meet the minimum spend.
- $99 p.a. annual fee
- 19.99% p.a. on purchases
- 0% p.a. for 22 months with 2% balance transfer fee on balance transfers
- Cash Advance Rate of 21.99% p.a.
- Up to 55 days interest free
- Minimum Income Requirement of $40,000 p.a.
Compare Visa credit cards
What are the benefits of using a Visa credit card?
Credit card features vary between products, but some of the standard Visa benefits you can expect are:
24/7 customer service
Visa cardholders can make use of Visa’s round-the-clock Global Customer Assistance Services to report lost and stolen cards, no matter where they are located. You can contact the Visa team on 1800 450 346 (within Australia) or +1 303 967 1090 (international calls).
Visa’s payWave technology enables you to spend less time at the cash register by making contactless payments of less than $100. For transactions of $100 or more, you use your card like a conventional card.
If you sign up to Visa Checkout, it'll securely save your payment and shipping information so you can spend less time at the checkout when spending with partnered merchants.
Platinum Visa credit cards come with a 24/7 global concierge service. You can contact your concierge on 1800 639 607 within Australia for anything from booking restaurant reservations or scoring tickets to a concert to sending flowers to a loved one.
Complimentary insurance covers
Certain Visa credit cards offer complimentary insurance covers. Some of the common complimentary insurances you can find with such cards include purchase cover insurance, extended warranty insurance, interstate fliight insurance, international travel insurance, and transit accident insurance.
As a Visa cardholder, you can look forward to exclusive discounts and deals with partnered merchants such as THE ICONIC, Microsoft and Kathmandu. You can see a full list of the available offers on the Visa website.
You can enjoy perks from presale tickets to concerts and festivals to exclusive competitions when you sign up to Visa Entertainment.
How can I compare Visa credit cards?
As many credit card issuers offer Visa cards, here are a few other factors you can consider when comparing your options:
- Fees. Visa cards can vary from no frills offers to premium products, so you can also expect the annual fees to differ between them.
- Interest rates. If you don't always pay your balance in full, you should compare Visa cards by the standard purchase rate. Some cards also come with 0% promotional interest rates, which can help you save on interest costs. If you plan to use the card for ATM withdrawals and other cash-equivalent transactions, you should also compare cards by cash advance rates.
- Rewards. Some Visa cards come linked to rewards and frequent flyer programs, allowing you to earn points as you spend. If you're a regular spender who often pays your balance in full, a rewards credit card can be a useful way to get more value from your Visa.
- Credit limit. While your approved credit limit will depend on factors such as income and credit history, you should apply for a credit limit that can support your financial needs without tempting you to overspend.
- Eligibility requirements. Different Visa cards will come with specific eligibility requirements including minimum annual income, credit history, age and residential status.