Nova Alliance Bank Visa Credit Card

Get an introductory 6% interest rate for 6 months, plus contactless and mobile payment options.

The Nova Alliance Bank Visa has a $45 annual fee and offers the same interest rate for purchases and cash advances. If you apply for this card and get approved, you’ll enjoy a 6% p.a. interest rate for the first 6 months, which then reverts to a low variable rate of 11.99% p.a.

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6% p.a.

Purchase rate

for the first 6 months (reverts to 11.99% p.a.)

$45 p.a.

Annual fee

55 days

Interest free period

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Product NameNova Alliance Bank Low Rate Credit Card
Purchase rate6% p.a. for 6 months, reverts to 11.99% p.a.
Annual fee$45
Interest-free periodUp to 55 days on purchases
Cash advance rate11.99% p.a.
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo


  • Low 11.99% p.a. interest rate on purchases and cash advances
  • Purchase rate offer of 11.99% p.a. for 6% months
  • Compatible with Apple Pay, Google Pay & Samsung Pay
  • A competitive annual fee


  • No rewards program and travel insurance
Bonus pointsN/A
Annual fee$45
Foreign currency conversion fee3%

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

This no frills card from Nova Alliance Bank gives you a low introductory rate of 6% p.a. for the first 6 months, which could help you keep interest costs down if you have some big expenses coming up. But it’s worth noting that this rate is not as low as the 0% p.a. introductory rates some other cards offer. Still, the 11.99% p.a. interest rate that applies after the introductory period on this card is on par with other low rate options. It also offers up to 55 days interest-free on purchases if you pay your account balance in full by the due date on each statement.

How to apply

You can apply for the Nova Alliance Bank credit card online by filling in a secure application form. You can also download and print an application form from the Nova Alliance Bank website, or by calling 02 49261428 or emailing

Before you apply, make sure you meet the eligibility criteria and have all the documents and details needed for the application.

Eligibility criteria

  • Residency status. You can apply for this credit card if you have an Australian residential address.
  • Age. You must be at least 18 years of age.

Card benefits

  • 6% p.a. introductory rate. Save on interest charges for the first 6 months with 6% p.a. on purchases and cash advances. At the end of the introductory period, an interest rate of 11.99% p.a. will apply for any remaining balance, as well as new transactions.
  • Up to 55 days interest-free. If you pay your card's closing balance in full by the due date on each statement, you'll be able to make purchases interest-free for up to 55 days in each statement period. You can learn more about how interest-free days work in this Finder guide.

Rates & fees

  • Annual fee. The $45 annual fee on this card is competitive with other low rate credit cards.
  • Currency conversion fee. A fee of 3% applies for transactions made overseas or online in a foreign currency.

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