Credit Card Compare

Police Bank Student Credit Card

Data last updated 17 July 2026
10.76%
Purchase rate
$0
Annual fee
55 days
Interest-free

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CardIQ

71Strong

Strong

Overall score, out of 100 · How this works

  • 55 days interest-free62
  • First timer79
  • Low rate74
  • No annual fee69

Customer reviews

No reviews yet. Be the first to review the Police Bank Student Credit Card.

Pros & cons

What's good

  • The 10.76% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
  • No annual fee.
  • No fee to add an additional cardholder.

Worth noting

  • The annual fee increases from $0 to $30 in the second year.
  • 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 – $100,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
No
Joint application
Yes
Membership
Restricted
Minimum age
18 years old
Minimum income
Not specified
Residency
NSW or Tasmanian police academy students (current, or graduated within 6 months); Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
10.76% p.a.
Purchases
10.76% p.a.

Fees

Additional cardholder fee
$0
Annual fee
No annual fee
Annual fee (year 2+)
$30 p.a.
Cash advance fee
3.8% of the amount
Foreign transaction fee
3%
Late payment fee
$10

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
2.5% of the closing balance or $5, 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

Intro purchase period
9 months
Intro purchase rate
7.99% p.a.
Reverts to
10.76% p.a.

The intro rate applies to new purchases for the period shown, then reverts to the standard purchase rate.

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.

Interest-free days55 daysTop 10% (6th of 192 cards)
Purchase rate10.76%Top 10% (14th of 196 cards)
Annual fee$30 a yearTop 25% (39th of 200 cards)
Overseas fee3.00%Better than most (53rd 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
Police Bank