Coastline Visa Credit Card

Name: Coastline Visa Credit Card
Brand: Coastline

Data last updated 20 July 2026

9.99%

Purchase rate

$25

Annual fee

55 days

Interest-free

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CardIQ

71Strong

Strong

Overall score, out of 100 · How this works

55 days interest-free61
Balance transfer65
First timer80
Low rate76

Customer reviews

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Pros & cons

What's good

6 months at 0% p.a. on balance transfers, shorter than the 12-month median (no transfer fee, reverts to 9.99% p.a.).
The 9.99% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
The $25 annual fee is low: it undercuts the $70 median.
No fee to add an additional cardholder.

Worth noting

3.65% foreign transaction fee on overseas spending, at the high end of the market.
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: $500 – $100,000
Credit rating: Good
Rewards program: None

Eligibility

Instant approval: No
Joint application: No
Membership: Not yet verified
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: 9.99% p.a.
Purchases: 9.99% p.a.

Fees

Additional cardholder fee: $0
Annual fee: $25 p.a.
Cash advance fee: —
Foreign transaction fee: 3.65%
Late payment fee: $25

Repayments

Interest-free period: Up to 55 days on purchases
Minimum repayment: 3% of the closing balance or $20, whichever is greater

Balance transfers

Can't transfer from: Coastline
Limit: Up to your available credit limit
Period: 6 months
Promotional rate: 0% p.a.
Revert rate: 9.99% 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.

FeatureThis cardWhere it ranks

Interest-free days55 daysTop 10% (6th of 192 cards)

Purchase rate9.99%Top 10% (11th of 196 cards)

Annual fee$25 a yearTop 25% (38th of 200 cards)

Balance transfer0% for 6 monthsNot as good as most cards (49th of 67 cards)

Overseas fee3.65%Among the weakest we track (193rd of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare: Australian credit card statisticsHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: Coastline