Bank Australia Visa Credit Card
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CardIQ
Good
Overall score, out of 100 · How this works
- 55 days interest-free55
- First timer72
- No annual fee62
Customer reviews
Based on 5 reviews
Reviewers were split on rewards and customer service.
Love the payWave and online convenience
It has helped me save (and spend) money in my student account while attending university. I got this card specifically to make online transactions, and using payWave is really an added bonus. I have had some trouble with card corruption and have had to get this card replaced…
Handy for unexpected purchases
I try to not use this card as there are no or very few rewards. Also i find the purchasing date crucial as to when it becomes due. It does not work on a full month from date of purchase. Otherwise it is handy for those times when an unexpected purchase arises.
A good partner
I have used Visa for over 20 years and I have never had a problem, which is more than I can say about others. I joined Bank Australia (MECU) many years ago and a year or so ago used their Visa. Their card has worked without a problem. The Bank Australia service has been first…
This card is great
This card is great. The only thing is I am moving soon to NSW 7 I dont know where the branches are.
Great card because of excellent service
This card comes with exceptional customer service options. You can choose how you wish to have it set up and have total control over your options. Customer relations are superb and friendly. Internet bankiing services and 24 hour access make the card iincredibly convenient, and…
Pros & cons
What's good
- No annual fee.
- No fee to add an additional cardholder.
Worth noting
- The 19.74% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $1,000 – $100,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- Membership
- Open to all applicants
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 19.74% p.a.
- Purchases
- 19.74% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- No annual fee
- Cash advance fee
- —
- Foreign transaction fee
- 3%
- Late payment fee
- $0
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2.5% of the closing balance or $20, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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Browse by card type
Compare the Bank Australia Visa Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Bank Australia