Enjoy worldwide acceptance, the latest payment technology and exclusive perks with a Visa credit card.
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 200 countries around the world. They also offer benefits such as contactless payments through Visa payWave, exclusive travel, shopping and lifestyle offers through Visa Entertainment and the added security of Verified by Visa for online shopping.
Depending on the Visa credit card you choose, you could also enjoy platinum benefits, rewards and complimentary extras such as travel insurance, concierge services or airport lounge passes. Use this guide to compare Visa credit cards, discover the perks of using a Visa card and the factors you should consider before applying for one.
Citi Credit Card Offer
Citi Clear Platinum Credit Card
0% p.a. for 9 months on balance transfers $0 first year annual fee
Offer ends 31 March 2020
Eligibility criteria, terms and conditions, fees and charges apply
Citi Credit Card Offer
Save with a $0 annual fee for the first year and long-term 0% purchase and balance transfer offers. Plus, enjoy complimentary insurance covers.
0% p.a. for 9 months on purchases & balance transfers
$0 first year annual fee ($99 thereafter)
Purchase interest rate of 14.99% p.a. | Cash advance rate of 22.24% p.a.
Minimum income requirement of $35,000
Purchase cover insurance, extended warranty insurance, and a guaranteed pricing scheme
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).
Cashless payments
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.
Visa Checkout
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 using your card with partnered merchants.
Concierge service
Platinum Visa credit cards 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.
Complimentary insurance covers
Some 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.
Visa Premium
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.
Visa offers
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.
Visa Entertainment
You can enjoy perks from pre-sale tickets to concerts and festivals to exclusive competitions when you sign up to Visa Entertainment using your Visa credit card.
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:
Annual fees. Most credit cards charge an annual account fee. For Visa cards, this could be anywhere from $25 to more than $250. There are also some Visa credit cards that have no annual fee, either for a promotional period or for the life of the card. Remember to weigh this cost against the features of the cards you compare so you can 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 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 check the cash advance interest rates.
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.
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 who often pays your balance in full, a rewards credit card can be a useful way to get more value from your Visa.
Eligibility requirements. Different Visa credit cards will come with specific eligibility requirements including minimum annual income, credit history, age and residential status.
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. If you want to get a new credit card, make sure you consider the potential costs and benefits based on your circumstances so that you can find on 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.
No. 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 offered by banks and other financial companies come equipped with Visa functionality.
You can call the Visa Global Customer Assistance Centre on 1800 450 346 (in Australia). If you're overseas, you can call Visa on +1 303 967 1090. These contact numbers are designed to connect you to support services when your Visa credit card is lost or stolen. If you have a general question, you could also contact Visa through Twitter using the handle @AskVisa.
Alternatively, you may want to get in touch with your credit card issuer for specific questions about your account or other Visa credit cards that they offer.
Yes. You can use a Visa credit card a millions of locations around the world, as well as online. Just look for the Visa logo.
A small selection of credit cards offer $0 foreign fees when you use them overseas or online with an international retailer. Some of these may be Visa options but ultimately it depends on the bank or credit card issuer. If this is a feature you want, you can compare a range of 0% foreign transaction fee credit cards and decide between Mastercard, American Express or Visa credit card options based on your needs.
Any Visa credit card you use will automatically give you access to entertainment, shopping and lifestyle offers through Visa Entertainment. To see the current range of offers available, go to visaentertainment.com.au and follow the prompts to sign up. If you want to claim a specific offer, just use your Visa card to make the payment.
A premium or platinum Visa credit card will also give you access to a wider range of travel, shopping and lifestyle offers. You can view these exclusive deals by visiting visapremium.com.au and just need to use your Visa Platinum (or other premium card) when claiming specific offers.
As well as credit cards, there are Visa debit cards and prepaid Visa cards available from many banks in Australia. While each of these Visa cards offers different features and benefits, they can all be used around the world wherever you see the Visa logo.
You may be able to apply for a credit card with a bank with the items you mentioned to me. Please click on this link which is more specific to credit cards for pensioners and retired applicants so you may see the different requirements by each bank and choose the one that suits you. Hope this helps!
Please note that finder.com.au is an online comparison service and is not a product issuer. If you would like to discuss your eligibility or options, you’ll need to get in touch with the provider of the product that you would like to apply for.
You might also want to check this page for more No Annual Fee Visa credit card options.
To be eligible for Citi Simplicity Card’s balance transfer offer, you need a good credit history, and the balance should come from a non-Citi card. The maximum amount that you can transfer is up to 80% of your approved credit limit and it can take up to 10 business days to process.
You’ll need to contact your merchant to inform them that you have decided to discontinue the auto direct debit with your credit card company. You should also get in touch with the customer service team of your card to take note that there should be no more charges to be accepted from the merchant you had direct debit arrangement.
If I hire a car in Broome and pay for it with a NAB Platinum Mastercard or NAB Qantas Platinum Visa, does this cover the Standard Liability Insurance (circa $3000)?
Rental vehicle excess cover is available for NAB credit cards. Reimbursements/ cover is available up to a maximum of $1,250 per interstate journey for any excess or deductible which you are legally liable to pay. Please refer to page 49 of the PDF I have sent to your email for the full requirements for eligibility.
Unfortunately the Myer Visa Card does not come with complimentary travel insurance. You may like to refer to the following link for a list of cards come with free complimentary travel insurance.
Please note that finder.com.au is a comparison service and is not affiliated with Visa. It would be best to contact Visa directly in regards to advertising options.
* The credit card offers compared on this page are chosen from a range of credit
cards finder.com.au 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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As a disability pensioner who owns car and house valued at $650.ooo can I apply for a credit card for a $5000 thanking you
Hi carolyn,
Thank you for leaving a question.
You may be able to apply for a credit card with a bank with the items you mentioned to me. Please click on this link which is more specific to credit cards for pensioners and retired applicants so you may see the different requirements by each bank and choose the one that suits you. Hope this helps!
Cheers,
Reggie
as a member of RACGP corporation am I eligible to apply for annual fee exempted Visa credit card?
Hi Dr. Reddy,
Thanks for your inquiry.
Please note that finder.com.au is an online comparison service and is not a product issuer. If you would like to discuss your eligibility or options, you’ll need to get in touch with the provider of the product that you would like to apply for.
You might also want to check this page for more No Annual Fee Visa credit card options.
I hope this has helped.
Cheers,
Arra
what are the balance transfer conditions on a citi simplicity card
Hi Bruce,
Thanks for your question.
To be eligible for Citi Simplicity Card’s balance transfer offer, you need a good credit history, and the balance should come from a non-Citi card. The maximum amount that you can transfer is up to 80% of your approved credit limit and it can take up to 10 business days to process.
Cheers,
Anndy
can I speak with someone by phone as I have a few questions?
How can I stop a payment to a Company who have now got my Visa Card Number?
Hi Steve,
Thanks for your question.
You’ll need to contact your merchant to inform them that you have decided to discontinue the auto direct debit with your credit card company. You should also get in touch with the customer service team of your card to take note that there should be no more charges to be accepted from the merchant you had direct debit arrangement.
Cheers,
May
Hi Tony,
You may call us at 1300 FINDER (346 337) or (02) 9299 7602.
Thanks,
Sharon
What is the interest rate for Bankvic
Hi Kate, thanks for your inquiry!
To allow us to assist you further could you please inform us to which BankVic product you are inquiring about today?
Cheers,
Jonathan
If I hire a car in Broome and pay for it with a NAB Platinum Mastercard or NAB Qantas Platinum Visa, does this cover the Standard Liability Insurance (circa $3000)?
Hi Stuart, thanks for your inquiry!
Rental vehicle excess cover is available for NAB credit cards. Reimbursements/ cover is available up to a maximum of $1,250 per interstate journey for any excess or deductible which you are legally liable to pay. Please refer to page 49 of the PDF I have sent to your email for the full requirements for eligibility.
Cheers,
Jonathan
If I pay for a proposed “Outback tour” within Australia by Myer Visa Card, will I receive complimentary travel insurance?
Hi Rod, thanks for your inquiry!
Unfortunately the Myer Visa Card does not come with complimentary travel insurance. You may like to refer to the following link for a list of cards come with free complimentary travel insurance.
Cheers,
Jonathan
Can I load South African Rand into a card and if so which card?
Hi Pam, thanks for your inquiry!
The Virgin Global Wallet and Westpac Global Currency card both support the South African Rand (ZAR).
Cheers,
Jonathan
I live in the UK Scotland and it seems I can only get a Visa Credit Card if I live in Australia
Hi Ann, thanks for your inquiry.
Since Visa is a multinational corporation, Visa credit cards are also available in the UK.
Cheers,
Jonathan
I want to advertise visa at my business what are my options
Hi Mark, thanks for your inquiry!
Please note that finder.com.au is a comparison service and is not affiliated with Visa. It would be best to contact Visa directly in regards to advertising options.
Cheers,
Jonathan