Defence Bank True Blue Credit Card

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The Defence Bank True Blue Credit Card offers a 3.99% interest rate for the first 6 months on your purchases, balance transfers, and cash advances.

Currently, Defence Bank is offering you an introductory rate of 3.99% for 6 months on all three options. After the 6-month introductory period, you will switch over to the equally competitive regular interest rate. In addition to the competitive rates, you'll also be able to enjoy additional features like interest-free days. You can use this credit card worldwide wherever Visa cards are accepted and use contactless payments thanks to Visa's payWave system.

3.99% p.a.

Balance transfer rate

for 6 months

3.99% p.a.

Purchase rate

for the first 6 months (reverts to 11.74% p.a.)

$45 p.a.

Annual fee

55 days

Interest free period


Product NameDefence Bank True Blue Credit Card
Balance transfer rate3.99% p.a. for 6 months
Balance Transfer Revert RatePurchase Rate (11.74% p.a.)
Purchase rate (p.a.)3.99% for 6 months, reverts to 11.74% p.a.
Annual fee$45 p.a.
Interest free period55 days
Cash advance rate (p.a.)11.74% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)3%
Complimentary travel insuranceNo
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationNo


  • 3.99% p.a. for 6 months on balance transfers
  • 3.99% p.a. for 6 months on purchases
  • A low rate of 11.74% p.a. on purchases and cash advances


  • No rewards program or travel insurance
Annual fee$45 p.a.
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$20
Foreign currency conversion fee (Visa/Mastercard)3%
Cash Advance Fee$4.10
Overseas cash advance fee6.1%
Overseas ATM withdrawal fee$4.10
Additional cardholder fee$0

How to apply

Application criteria

Before applying for this credit card you need to make sure you are eligible for the offer. This will save you from wasting your time filling out an application for something you aren't qualified to get.

  • You must be at least 18 years of age to apply for this credit card
  • You also have to be an Australian citizen or permanent resident with a valid Australian address

Card benefits

Balance transfer offer

  • Enjoy an introductory rate of 3.99% on balance transfers. Defence Bank is offering new cardholders a competitive introductory rate on balance transfers for the first 6 months after opening their account. Once the introductory period ends it will revert back to the 11.74% p.a.
  • Consolidate your credit card debt into one bill. Balance transfers allow you to take the balance of one or more credit card/s and move it onto your new credit card so you can cut down on the number of bills you pay each month. Consolidating your debt like this will also allow you to pay down your overall credit card debt faster and save on interest and fees.

Rates & fees

Besides the balance transfer offer, the interest-free days, and the competitive rates, there are a few other features that are offered with your True Blue Credit Card.

  • Competitive annual fee. You'll only pay an annual fee of $45 on this credit card.
  • Less mandatory fees. There are also few mandatory fees attached to this credit card which can save you money in the long run.

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