Police Bank Visa Credit Card

Name: Police Bank Visa Credit Card
Brand: Police Bank
Rating: 3.8 (3 reviews)

3 reviews

Data last updated 20 July 2026

10.76%

Purchase rate

$30

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

Customer reviews

3.8

Based on 3 reviews

JamesRecommends

Great card, great fees, but no rewards

i would recommend it to family and friends. I would definitely recommend it to anyone. The main reason I like it is the great fees it has. It is also easy to use and convenient. The only downside is that it has no rewards.

MassimoRecommends

Low fees and low interest

Police Bank have low fees and low interest, and have good products: loans, investments, super, and property. They have good customer service, and the cards have good features and there are various of cards to to choose from. I would recommend it to my friends and family.

GrahamDoesn't recommend

A necessary evil in today's world

As a general rule, I hate credit cards. However, this one has helped me when in a financial pinch or an unsuspecting bill pops up. It has no rewards and a yearly fee on top of interest, so it is not recommended for those who only pay minimum amounts and like to have their 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.).
The $30 annual fee is low: it undercuts the $70 median.
No fee to add an additional cardholder.

Worth noting

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: Yes
Membership: Restricted
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: 10.76% p.a.
Purchases: 10.76% p.a.

Fees

Additional cardholder fee: $0
Annual fee: $30 p.a.
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

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 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