Enjoy worldwide acceptance, the latest payment technology and exclusive perks with a Visa credit card.
Instead of issuing its own credit cards or lines of credit, Visa operates as a third-party payment processor. As such, many Australian credit cards come equipped with Visa functionality. So, when you get a credit card with the Visa logo on it, you'll be able to use it to make paymets in-store, online and over-the-phone in 200 countries around the world. Depending on the Visa credit card you choose, you 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.
0% p.a. for 22 months on balance transfers
with a one-time 2% balance transfer fee
Offer ends 31 August 2017
Eligibility criteria, terms and conditions, fees and charges apply
Visa Credit Card Offer
Apply for a 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
- 0.00% p.a. for 22 months with 2% BT 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?
Banks and other credit card companies typically decide on the features are available with individual Visa options. But some of the standard Visa benefits you can expect are:
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).
Visa’s payWave technology helps you save time at the checkout through tap-and-go payments. If your card purchase is less than $100, you won't even need to enter a PIN. You can also use a Visa payWave card like any regular card if you'd prefer to swipe or insert it and enter a PIN.
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 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 flight inconvenience insurance, international travel insurance and transit accident insurance.
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.
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.