Does Visa issue credit cards in Australia?

Instead of issuing its own credit cards, Visa operates as a third-party payment processor. This basically means Visa works with banks and other credit card companies to offer cards through the Visa network.

What is the Visa contact number in Australia?

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 connect you to support services when your Visa credit card is lost or stolen. If you have a question about a particular Visa credit card, you could contact the bank or issuer directly.

Will a Visa credit card work overseas?

Yes. You can use a Visa credit card at millions of locations around the world, as well as online. Just look for the Visa logo when you're in a shop or online.

Can I get a Visa credit card with no foreign transaction fees?

Yes, you can compare a range of 0% foreign transaction fee credit cards, including Visa options on Finder.

What other types of Visa cards are available?

Visa offers credit cards, debit cards and prepaid cards in Australia, which you can use for spending around the world.

How many numbers are on a Visa credit card?

All Visa credit card numbers are made up of 16 digits, which are usually printed or embossed on the front of your card. There is also a 3-digit CVC number, which is usually printed on the signature panel. Both the 16-digit Visa card number and the 3-digit CVC number are unique for every card.

Compare Visa Credit Cards - 130+ options crunched

15 of 131 results

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
BOQ Platinum Visa Credit Card Q Rewards	21.99%	Bonus points 100,000	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 21.99%	Annual fee $75 first year ($149 after)	Collect 100,000 bonus Q Rewards points and save with a discounted annual fee in the first year.	Go to site View details Compare product selectionCompare	loading
Virgin Australia Velocity Flyer Card - Balance Transfer Offer Velocity Frequent Flyer	21.99%	Bonus points N/A	Points per $ spent 0.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 24 months with 3% balance transfer fee, then 21.99%	Annual fee $169	Go to site View details Compare product selectionCompare	loading
ANZ Platinum Credit Card	22.49%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 23.49%	Annual fee $0 first year ($87 after)	Earn $350 back to your new card when you spend $3,500 on eligible purchases in the first 4 months from approval. Plus, a $0 annual fee in the first year.	Go to site View details Compare product selectionCompare	loading
Virgin Money Anytime Rewards Credit Card Virgin Money Rewards	21.99%	Bonus points 60,000	Points per $ spent 0.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 21.99%	Annual fee $169	Go to site View details Compare product selectionCompare	loading
Virgin Money Anytime Rewards Credit Card - Balance Transfer Offer Virgin Money Rewards	21.99%	Bonus points N/A	Points per $ spent 0.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 24 months with 3% balance transfer fee, then 21.99%	Annual fee $169	Go to site View details Compare product selectionCompare	loading
Kogan Money Credit Card - Balance Transfer Exclusive Offer ExclusiveKogan Rewards Program	21.99%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 18 months with 2% balance transfer fee, then 22.74%	Annual fee $0	Finder exclusive: Save with 0% p.a. for the first 18 months on balance transfers (with a one-time 2% balance transfer fee). T&Cs apply.	Go to site View details Compare product selectionCompare	loading
ANZ Low Rate - Credit Back Offer	13.74%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 23.49%	Annual fee $58	Get $400 back on your card when you spend $5,000 on eligible purchases in the first 6 months from approval. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
NAB Qantas Business Signature Card Finder AwardQantas Business Rewards	19.5%	Bonus points 200,000	Points per $ spent 0.66	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $295	Get up to 200,000 bonus Qantas Points: 150,000 points when you spend $10,000 on everyday business purchases in the first 90 days and 50,000 points when you keep your account open for at least 15 months. ABN required.	Go to site View details Compare product selectionCompare	loading
ANZ Frequent Flyer Black Finder AwardQantas Frequent Flyer	22.49%	Bonus points 100,000	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 23.49%	Annual fee $370	Get up to 100,000 bonus Qantas Points: 50,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months from approval, and an additional 50,000 points when you keep your card for over 12 months.	Go to site View details Compare product selectionCompare	loading
ANZ Frequent Flyer Platinum Qantas Frequent Flyer	22.49%	Bonus points 50,000	Points per $ spent 0.75	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 23.49%	Annual fee $240	Get up to 50,000 bonus Qantas Points: 25,000 bonus Qantas Points when you spend $3,500 on eligible purchases in the first 4 months from approval, and an additional 25,000 points when you keep your card for over 12 months.	Go to site View details Compare product selectionCompare	loading
ANZ Rewards Platinum - Velocity Points ANZ Rewards Program	22.49%	Bonus points 80,000	Points per $ spent 1.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 23.49%	Annual fee $94	Earn up to 80,000 bonus Velocity Points: 60,000 points + $50 back when you spend $3,500 in the first 3 months from approval and 20,000 points when you keep your card open for over 15 months from activation.	Go to site View details Compare product selectionCompare	loading
NAB Rewards Travel Card – Velocity Points NAB Rewards	22.49%	Bonus points 90,000	Points per $ spent 1.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 22.99%	Annual fee $395	Get up to 90,000 bonus Velocity Points: 50,000 points when you spend $5,000 in the first 90 days and 40,000 points when you keep your card open for over 12 months. Plus, no foreign transaction fees.	Go to site View details Compare product selectionCompare	loading
NAB Low Rate - Cashback Offer	13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 22.99%	Annual fee $99	Offers $400 cashback when you spend $5,000 on everyday purchases within the first 150 days.	Go to site View details Compare product selectionCompare	loading
ANZ Rewards Platinum ANZ Rewards Program	22.49%	Bonus points 125,000	Points per $ spent 1.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 23.49%	Annual fee $94	Earn up to 125,000 bonus ANZ Reward Points: 85,000 points when you spend $3,500 in the first 3 months from approval and 40,000 points when you keep your card open for over 12 months.	Go to site View details Compare product selectionCompare	loading
NAB Rewards Business Signature Card Finder AwardNAB Rewards	19.5%	Bonus points 250,000	Points per $ spent 1.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $175	Get up to 250,000 bonus NAB Rewards Points: 200,000 points when you spend $8,000 on everyday business purchases in the first 90 days and 50,000 points when you keep your account open for at least 15 months. ABN required.	Go to site View details Compare product selectionCompare	loading

Showing 15 of 24 results

Visa operates as a payment network partnering with banks so card features like rates and rewards vary by issuer.
Visa cards offer core benefits including Zero Liability protection robust security and contactless payment options up to $200.
Compare annual fees, often $0 to over $400, purchase rates and typical 2–3.5% foreign transaction fees for best value.

What are Visa credit cards?

Visa is an electronic payment network used by many banks and credit card companies.

Like Mastercard (and unlike American Express), Visa doesn't issue credit cards itself. You get a credit card issued by your bank or credit card company, and many of them use Visa's network.

But cards on the Visa network do benefit from Visa features, like Zero Liability protection, security and fraud protection, and contactless payment technology.

Tell me more about Visa

Visa was launched by Bank of America in 1958 as the BankAmericard credit card program. Eventually this program was licensed across the globe and was consolidated into the Visa corporation in 1976.

Today Visa operates in over 200 countries. The Visa network processes over 332 billion transactions annually.

What benefits can I get with a Visa credit card?

24/7 customer service. Visa offers a Global Customer Assistance Service so you can report lost and stolen cards from anywhere in the world.
Contactless and mobile payments. Visa credit cards in Australia offer tap-and-go payments, as well as insert or swipe options at the checkout. You also won't need to enter a PIN if your contactless card purchase is less than $200. Many Visa credit cards can also be added to digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
Visa Checkout. If you sign up to Visa Checkout, this service will securely save your payment and shipping information for online shopping with partnered merchants.
Visa Secure (formerly Verified by Visa). This security service adds an extra verification step for online transactions. 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.
Visa Offers + Perks. A Visa card gives you access to exclusive discounts and deals with partnered brands such as Booking.com, THE ICONIC and Hertz. A Visa card also gives you access to limited-time ticket offers, movie competitions and other entertainment deals.
Complimentary insurance cover. Some Visa credit cards come with complimentary insurance covers, such as international travel insurance, purchase cover insurance, and extended warranty insurance.

Premium card benefits

The more premium Visa cards, such as Platinum, Signature and Infinite cards offer more perks and benefits:

Concierge service. A platinum Visa credit card (and other premium options) often gives you access to 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.
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 + Perks. The higher end Visa cards also get more luxurious upgrades and special offers.

Which Australian banks use Visa?

Bank Australia
BankSA
Bank of Melbourne
BOQ
Greater Bank
Heritage Bank

ING
Kogan Money
Latitude Financial Services
Suncorp
Virgin Money

Should I go with Visa or Mastercard? Does it matter?

Both Visa and Mastercard offer 24/7 customer support, security and fraud monitoring features, zero liability protection for unauthorised transactions.

With Visa's contactless card payments you don't need to enter a PIN for transactions of $200 or less. With Mastercard you need to enter a PIN on transactions above $100.

Our expert says: Does the card network matter?

"While there are still a few places that don't accept American Express cards, there's really not much difference between a Visa or Mastercard credit card. Both offer very comparable fraud monitoring and protections. The real difference comes in the rates, rewards fees and features of a specific card. That's what you should look at first."

Richard Whitten

Senior Money Editor

How can I compare Visa credit cards?

Annual fees. Most credit cards charge an annual fee. This fee typically ranges from $0 to over $400. 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 offer introductory 0% interest rates, which can help you save on interest costs.
Foreign transaction fees. Most credit cards charge a fee worth 2–3.5% of the total of any transactions you make overseas (or by shopping online) in a foreign currency.
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.

Visa credit card frequently asked questions

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 connect you to support services when your Visa credit card is lost or stolen.
If you have a question about a particular Visa credit card, you could contact the bank or issuer directly.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Visa page, accessed September 2026
2. Westpac, contactless 'tap-and-go' card limits FAQs
3. Finder credit card database

Thank you for your feedback!

Written by

Amy Bradney-George

Journalist

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 425 Finder guides across topics including:

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Co-written by

Richard Whitten

Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

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Richard has written 766 Finder guides across topics including:

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63 Responses

peterOctober 26, 2014

which low interest card or cards, has no international transaction fees?

Finder

ElizabethOctober 27, 2014Finder

Hi Peter,

Thanks for your question.

You can compare cards with no international transaction fees and no foreign transaction fee credit cards. Using the table, you can click the ‘interest rate’ column to filter the table’s results to see them ranked by the lowest interest.

I hope this has helped.

Thanks,

Elizabeth

DaveOctober 23, 2014

I have an Australian Visa credit card issued through a Mutual Bank. If I use this card in the UK, what are the charges? Where do I find the currency rate for that particular day and is there a buying and selling price.

Finder

ElizabethOctober 24, 2014Finder

Hi Dave,

Thanks for the question.

The charges depend on the particular card you have, but generally you will be charged a foreign currency conversion fee for purchases which is around 2-3% of the purchase amount. You may also be charged overseas ATM fees and other overseas charges, which you can find out from your Mutual Bank. Foreign exchange rates are usually listed by banks on their website.

I hope this has helped.

Thanks,

Elizabeth

ToddOctober 18, 2014

I own a relatively new construction company, with only 6 months trading history. I’m looking for the best deal to suit a new company, with the ability to have up to 8 credit cards (only need 3 currently). I’d like to have at 55 day interest free period on transactions. What can you recommend.

Finder

ElizabethOctober 20, 2014Finder

Hi Todd,

Thanks for your question.

You can compare a range of business credit cards, charge cards and lines of credit. Currently, only the Commonwealth Bank credit cards in that table allow for up to 55 days interest-free, with the American Express cards offering up to 51 days interest-free and the Westpac cards offering 45 days interest-free. You can have a look at the individual cards to see the one that best suits your needs, with the reviews listing information regarding supplementary cardholders, etc. You also have the option of taking out a non-business credit card that offers up to 55-days interest-free and supplementary cardholders.

I hope this has helped.

Thanks,

Elizabeth

NeilSeptember 16, 2014

I am trying to make a payment to my Fiancée via Western Union… It failed last night and it failed again today

VBV001 is the code I get..

Can someone please explain???

Finder

ShirleySeptember 17, 2014Finder

Hi Neil,

Thanks for your question.

Please get in touch with Western Union directly to troubleshoot the problem.

Cheers,
Shirley

JohJuly 25, 2014

I am looking for a card that I can have multiple supplementary cards . I don’t mind being personally responsible for the debt or my company but I must have at least 15

Finder

ShirleyJuly 25, 2014Finder

Hi Joh,

Thanks for your question.

According to our database the following cards that allow you to have more than 15 additional cardholder at no extra charge:
-St.George Vertigo Visa
-Bankwest Zero Platinum MasterCard
-ANZ Balance Visa
-Citibank Clear Platinum Card

Cards outside of this may charge an fee for a additional cardholders over a certain threshold.

Cheers,
Shirley

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Visa credit cards – compare Australian cards that use the Visa network

You can get a Visa credit card from big banks like NAB, ANZ, St.George, Virgin Money, ING and more.