Police Bank Visa Credit Card

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Receive a no-fee balance transfer offer, a $0 first year annual fee and a $150 cashback with a Police Bank Visa Credit Card.

When you apply as one of the first 100 applicants, you'll earn $150 cashback when you spend $500 on purchases within the first month. This card also comes with a 0% interest rate on balance transfers and an annual fee waiver for the first year.

0% p.a.

Balance transfer rate

for 12 months

10.76% p.a.

Purchase rate

$0 p.a.

Annual fee

for the first year ($30 p.a. thereafter)

55 days

Interest free period


Product NamePolice Bank Visa Credit Card
Balance transfer rate0% p.a. for 12 months
Balance Transfer Revert RatePurchase Rate (10.76% p.a.)
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 Period55 days
Cash advance rate (p.a.)10.76% p.a.
Min credit limit$1,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationYes


  • $150 cashback offer
  • $0 first year annual fee (normally $30 p.a.)
  • 0% p.a. for 12 months on balance transfers


  • No rewards program or travel insurance
Annual fee$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Late Payment Fee$10
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee3.8%
Overseas Cash Advance Fee3.8%
Overseas ATM Withdrawal Fee$3.80

Expert review

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The Police Bank Visa Credit Card is designed to help you minimise your overall card costs with its competitive rates and fees. If you planning to pay off debt, you can take advantage of a 0% p.a. interest rate on balance transfers for 12 months, with no balance transfer fee. This card also has a modest $150 cashback offer which will be credited to your account within a month of meeting the spend requirement.

How to apply

If you've compared your options and decided that this card is right for you, you can complete the online form through the Police Bank website. You can also apply by visiting any of the bank's branches. Before you apply, make sure that you've met the following eligibility requirements and have all the relevant documents on hand.

Eligibility criteria

  • Residency. You must be a permanent resident of Australia.
  • Age. You must be at least 18 years of age.

Card benefits

  • Cashback offer. For the first 100 applicants of this offer, you'll get $150 cashback when you spend at least $500 on purchases within a month.
  • $0 first year annual fee. Enjoy a $0 annual fee for the first year, saving you $30.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $30.
  • Interest rates. A low variable rate of 10.76% p.a. applies to this card. Unlike many credit cards that charge a higher cash advance rate, this card charges the same low rate on purchases as well as on cash advances.
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