Visa Credit Cards
Enjoy worldwide acceptance, the latest payment technology and exclusive perks with a Visa credit card.
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Visa credit cards are available from a wide range of banks and financial institutions in Australia. These cards allow you to make payments in-store, online and over-the-phone in more than 200 countries. You can also use a Visa credit card to make contactless payments and get access to exclusive deals through Visa Offers + Perks.
Depending on the Visa card you choose, you could also make mobile payments and get access to premium benefits including rewards, complimentary travel insurance, concierge services and airport lounge passes. Use this guide to compare Visa credit cards, including the perks of using a Visa card and what you should consider before applying for one.
0% p.a. for 36 months on balance transfers
Discounted $29 first-year annual fee
Eligibility criteria, terms and conditions, fees and charges apply
HSBC Credit Card Offer
Enjoy a 0% introductory balance transfer rate for 36 months, with no balance transfer fee.
- $29 first-year annual fee (reverts to $129 thereafter)
- Complimentary travel insurance and 2 lounge passes per year
- Earn 1 HSBC Rewards Point per $1 spent in Australia and 2 overseas
- Purchase rate: 19.99% p.a. | Cash advance rate: 21.99% p.a.
Compare Visa credit cards
What benefits can I get with a Visa credit card?
Banks and other credit card providers usually decide on the mix features that are available on different Visa cards. But some of the standard Visa benefits you can expect include:
24/7 customer service
If you have a Visa card, you can make use of Visa’s round-the-clock Global Customer Assistance Service to report lost and stolen cards from anywhere in the world. You can contact the Visa team on 1800 450 346 (within Australia) or +1 303 967 1090 (international calls).
Contactless and mobile payments
Most Visa credit cards in Australia offer tap-and-go payments at the checkout. If your card purchase is less than $100, you won't need to enter a PIN, but you will be asked for one if the purchase is over $100. You can also use a Visa credit card like any regular card if you want to swipe or insert it and enter a PIN.
Many Visa credit cards are also compatible with mobile payment apps, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay. These option do vary between credit card providers, so make sure you check the card's compatibility before you apply.
If you sign up to Visa Checkout, this service will securely save your payment and shipping information so you can spend less time at the online checkout when you pay with your Visa card at partnered merchants.
Verified by Visa
This service gives you extra protection when you shop online by asking you to verify your identity when you're making a purchase. This step varies between cards and providers but, as an example, you might be asked to enter an SMS code, confirm your date of birth or answer a security question before the payment is processed. Some banks and issuers automatically enrol you in Verified by Visa, while others give you the option.
Visa Offers + Perks
As a Visa cardholder, you can look forward to exclusive discounts and deals with partnered brands such as THE ICONIC, Hertz and Endota Spa. Depending on your Visa card, you could also unlock a suite of hotel benefits. You'll also get access to limited-time ticket offers, movie competitions and other entertainment deals. You can check out the current range of offers on the Visa website.
Platinum Visa credit cards (and other premium options) may 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.
If you have a Visa Platinum, Signature or Infinite credit card, you can enjoy exclusive travel and lifestyle benefits all around the world through this exclusive service.
Complimentary insurance covers
Some Visa credit cards offer complimentary insurance covers, such as international travel insurance, purchase cover insurance, extended warranty insurance, interstate flight inconvenience insurance and transit accident insurance. The type of complimentary insurance and amount of cover offered varies depending on the Visa card and the issuer. So, if this is a feature you want, it is worth reading the card's insurance booklet before you apply.
How can I compare Visa credit cards?
As many credit card issuers offer Visa cards, here are a few other factors to look at when comparing your options:
- Annual fees. Most credit cards charge an annual fee. For Visa cards, this fee typically ranges from $30 to $400 or more. There are also some Visa credit cards that have no annual fee, either for a promotional period or for the life of the card. You can weigh this cost against the card's features to help find one that's affordable for you.
- Interest rates. If you don't always pay your balance in full, you should compare Visa cards by the standard purchase rate. Some Visa cards also offer introductory 0% p.a. 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 check the cash advance interest rate.
- Foreign transaction fees. Most credit cards charge a fee worth 2–4% of the total of any transactions you make overseas or online in a foreign currency. So if you plan to use a Visa card when you're travelling or shopping online with stores that are based overseas, make sure you consider this cost.
- Rewards. Some Visa credit cards come linked to rewards and frequent flyer programs, allowing you to earn points as you spend. If you're a regular spender and pay your balance in full, a rewards credit card can be a useful way to get more value from your Visa card.
- Eligibility requirements. When you find a Visa credit card you want to apply for, make sure you meet the application requirements. These typically cover age and Australian residency status, credit history and minimum income.
With a wide range of banks and issuers offering Visa credit cards in Australia, there are options to suit many different spending habits and goals. So if you want to get a new credit card, make sure you consider the potential costs and benefits based on your circumstances to help you find one that suits your needs.
Frequently asked questions about Visa credit cards
Here, you can read answers to the most common questions about Visa credit cards. If you have a specific question that's not covered, you can also get in touch with us via the contact box below.
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