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Bank Australia Low Rate VISA

Bank Australia Low Rate VISA

Product Image

Purchase Rate
9.39 %
p.a.




Cash Advance Rate 9.39% p.a.
Interest Free Up to 0 days
Annual Fee$59

  • Competitive low interest rate
  • Socially responsible - cards made from PETG environmentally responsible plastic
  • 100% no marketing guarantee

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

Rewards Points per Dollar Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions

Annual Fee $59 Minimum Repayment Greater of 2.5% or $20
Annual Fee First Year $59 Interest Charged From Purchase Date
Rewards Joining Fee Late Payment Fee $0
Supplementary Card Fee    
Duplicate Statement Fee $3.00 Overseas ATM Balance Fee $0
Transaction Verification Fee $0 Overseas ATM Withdrawal Fee $3.5
Over Limit Fee $20 Overseas Emergency Card Replacement Fee $175

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* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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Our Take On This Card
Pros
  • 2009 AFR Smart Investor Blue Ribbon Award Winner
  • Low ongoing purchase and cash advance rate
  • Card made from environmentally friendly materials
Cons
  • No interest free days
Summary

Bank Australia's low rate VISA is suitable for consumers who tend to carry their balances forward each month as this card does not offer an interest free period. Interest free periods are beneficial only if you are able to pay off the debt within the given time frame, otherwise you will typically be paying more interest.

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