Police Bank Visa Credit Card

Save with a $0 first year annual fee with a Police Bank Visa Credit Card.

Take advantage of an annual fee waiver for the first year when you apply for the Police Bank Visa Credit Card. You can also cut on card costs with up to 55 interest-free days on purchases and through the Reduced Fees Program.

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10.76% p.a.

Purchase rate

$0 p.a.

Annual fee

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

55 days

Interest free period

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Product NamePolice Bank Visa Credit Card
Purchase rate10.76% p.a.
Annual fee$0 annual fee for the first year ($30 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate10.76% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationYes


  • $0 first year annual fee (normally $30 p.a.)
  • A low ongoing rate of 10.76% p.a.
  • Up to 55 days interest-free on purchases


  • No rewards program or travel insurance
Bonus pointsN/A
Annual fee$0 annual fee for the first year ($30 p.a. thereafter)
Late payment fee$10
Foreign currency conversion fee3%
Cash advance fee3.8%
Overseas cash advance fee3.8%
Overseas ATM withdrawal fee$3.80

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Police Bank Visa Credit Card is designed to help you minimise your overall card costs with its competitive rates and fees. While this card does not offer platinum perks like a rewards program or complimentary insurances, you can still get more value from this card with the annual fee waiver in the first year. This gives you a potential saving of $30 per year.

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

  • $0 first year annual fee. Enjoy a $0 annual fee for the first year, saving you $30.
  • Reduced fees program. Police Bank lets you reduce or even avoid paying transaction fees and charges through its reduced fees program. All you have to do to qualify is maintain a combined monthly balance in excess of $5,000 in all your Police Bank savings, investment, and loan accounts.

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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