Visa Gold credit card

Purchase Rate
16.95% p.a.
Cash Advance Rate
16.95% p.a.
Interest Free
Up to 55 days
Annual Fee
Intro Purchase Rate
6.99% p.a. for up to 6 months
  • Introductory fixed rate of 0% p.a. (available for the first six months).
  • $50 annual fee.
  • Ongoing interest rate of 16.95% p.a.
  • Interest free period of up to 55 days on purchases.
  • Credit limit between $5,000 and $30,000.
  • Free Cash Back Rewards program and earn whenever you spend.
  • Free purchase protection.
  • Free international travel insurance.
  • Convenient balance transfer.

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Rewards Program
  • Visa Gold credit card members can also take advantage of the Cash Back Rewards program.
  • For every $250 you spend using your Visa Gold credit card, you will automatically receive $1.
  • Your dollars will be automatically credited to your Visa Credit Gold card on 1 December each year.

Fee & Repayments

Annual Fee $50.00
Annual Fee First Year $50.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2.5% or $20.00
Interest Charged From PurchaseDate
Late Payment Fee $20.00

Rewards Program

Rewards Points per Dollar 1
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $25,000.00
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions Up to a maximum spend of $5,000 per calendar month.

Other Charges

Duplicate Statement Fee $2.50
Overseas ATM Balance Fee $0.00
Transaction Verification Fee -
Overseas ATM Withdrawal Fee $1.80
Over Limit Fee $20.00
Overseas Emergency Card Replacement Fee $175.00
Terms & Conditions
Introductory rates are applicable to purchases and balance transfers for the first six months from account opening. Cash back rewards are available up to a maximum spend of $5,000 per calendar month. BankVic provides Complimentary Overseas Travel Insurance through the issuer, Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance.Balance transfer is limited to two credit cards per Visa credit card account and excludes transfers from other BankVic credit cards. Apple, the Apple App Store, iPhone, Siri and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Pay and Google Play are registered trademarks of Google LLC.

* 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.