Customs Credit Union Visa Credit Card

Information verified correct on December 5th, 2016

Enjoy a low ongoing purchase rate and no annual fee for the first year with the Customs Bank Visa Credit Card.

The Customs Bank Visa Credit Card is a low cost credit card which offers a low purchase rate, 55 days interest free and a low annual fee which is waived for the first year. Being a Visa credit card, it also has a range of benefits offered by Visa which makes your card safer to use and means it's accepted all over the world.

Product NameCustoms Bank Visa Credit Card
Balance transfer rate (p.a.)0% p.a. for 9 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (10.76% p.a.)
Maximum Balance Transfer Amount95% of credit limit
Purchase rate (p.a.)10.76% p.a.
Annual fee$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)10.76% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000
Minimum Monthly Repayment2.5%
Card TypeVisa
Late Payment Fee$10
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000
Annual Fee$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Minimum Repayment2.5%
Late Payment Fee$10
Overseas Cash Advance Fee$3.80
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Gambling Transactions AllowedNo
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Rates and fees

Features of the Customs Bank Visa Credit Card

The Customs Bank Visa Credit Card has a range of features to help you spend more efficiently. These include:

Visa payWave. This card can use payWave and PayPass terminals. This means for purchases under $100 you can tap your card against the terminal as opposed to swiping it or inserting it. This means you can use your credit card for smaller purchases and spend much less time at the register.

Balance transfer deal. The Customs Bank Visa Credit Card also allows you to bring across balances from existing cards and pay a lower promotional rate of interest. This will see you pay more of your balance off and less in interest when compared to your regular card. You'll need to fill out a balance transfer request form to carry this out.

Visa acceptance. Visa is offered at almost 30 million merchants in 250 countries across the globe. This means wherever you are your Customs Bank Visa Credit Card can be used, although using it overseas will come with additional fees.

Other Visa benefits. If you shop at an online store which displays the 'Verified by Visa' logo and you've applied for the program, you'll get extra security on your purchase. You also get access to Visa Entertainment which allows you to get pre-sale tickets to different concerts.

Accessible. The Customs Bank Visa Credit Card allows you use your card to pay bills using your internet banking or Customs' 'RediDial' telephone system. This means your account is accessible 24/7, so you can use BPAY, hear or see your recent transactions and learn about your account balance whenever you need to.

Up to 55 days interest free. This card, like many other low-cost cards, offers up to 55 days interest free. This means you might have plenty of time (depending on when you make a purchase in your statement cycle) to pay off your balance and avoid interest.

Security. The Customs Bank Visa Credit Card has a microchip embedded in it to reduce the chance of having your card details stolen. This along with using a PIN when paying decreases the possibility of having your card used for fraudulent transactions.

A bit about Customs Bank

As the name suggests, Customs Bank is a bank run for the benefit of the men and women who work to protect our borders in the Australian Customs and Border Protection Service. It's a member-owned bank, which means it's run for the benefit of its members, not for shareholders.

Anyone who is an employee of the Australian Customs and Border Protection Service or any other protection or similar service, in addition to their friends, relatives and family can apply to become a member of this bank.

Citi Clear Platinum Card

Visa Credit Card Offer

The Citibank Clear Platinum Visa is a unique platinum credit card. It combines the benefits of a low ongoing purchase rate as well as an interest free balance transfer offer for the first 9 months. You also can enjoy a range of complimentary benefits including extended warranty and purchase cover. Get up to 25% off special offers through Citi World Privileges.

  • $99 p.a. annual fee
  • 0% p.a. for 9 months (reverts to 14.99% p.a.) on purchases
  • 0% p.a. for 9 months on balance transfers
  • Cash Advance Rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $35,000 p.a.
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Credit Cards Comparison

Rates last updated December 5th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
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ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
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HSBC Platinum Credit Card
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NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* 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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