Beyond Bank Low Rate Visa Credit Card
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CardIQ
Good
Overall score, out of 100 · How this works
- 55 days interest-free62
- Balance transfer69
- Low rate66
Customer reviews
Based on 4 reviews
Customer service drew the most complaints.
Happy customer
There is no money on this card until I loaded it with the amount required. What I do not like about this card, like most of my cards, is that they have become contactless cards. If you lose them or have them stolen, payWave makes it too easy to be used to purchase with.
One of the best in a land littered with bad
Overall a decent card in a mess of so many options. I hate dealing with the big banks and the service and support at Beyond Bank is better than most I’ve found. There isn’t a whole lot of difference in rates and fees, so really the difference is in the service.
Accessing statements is impossible
This card used to be my principal day to day credit card, however, I’ve had problems accessing statements as they are only available via internet banking. The internet banking site is limited on smart phone and tablet apps and you can’t access basic information like the minimum…
Money for nothing
I am a working single mum. My kid’s accounts are with Beyond Bank and I receive child support (reoccurring transaction payments) But, these days I am always getting fees and refused any sort of loan, even after several repaid personal loans with them in the 10+ years I have had…
Pros & cons
What's good
- 12 months at 0% p.a. on balance transfers, longer than the 12-month median (no transfer fee, reverts to 11.99% p.a.).
- The 11.99% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
- Up to 62 interest-free days on purchases, longer than most cards.
- No fee to add an additional cardholder.
Worth noting
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $1,000 – $80,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- 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
- 11.99% p.a.
- Purchases
- 11.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $59 p.a.
- Cash advance fee
- —
- Foreign transaction fee
- 3%
- Late payment fee
- $0
Repayments
- Interest-free period
- Up to 62 days on purchases
- Minimum repayment
- 2% of the closing balance or $25, whichever is greater
Balance transfers
- Can't transfer from
- Beyond Bank
- Limit
- Up to your available credit limit
- Period
- 12 months
- Promotional rate
- 0% p.a.
- Revert rate
- 11.99% p.a.
- Transfer fee
- 0%
While you carry a transferred balance you may not receive interest-free days on new purchases.
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.
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Browse by card type
Compare the Beyond Bank Low Rate 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
- Beyond Bank