Low Rate Visa credit card

Purchase Rate
11.95% p.a.
Cash Advance Rate
11.95% p.a.
Interest Free
Up to 44 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).
  • No annual fee.
  • Ongoing interest rate of 11.95% p.a.
  • Interest free period of up to 44 days on purchases.
  • Credit limit between $1,000 and $10,000.
  • Convenient balance transfer.

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

Fee & Repayments

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

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
Credit limit between $1,000 and $10,000 Introductory rates are applicable to purchases and balance transfers for the first six months from account opening. Balance transfer is limited to two credit cards per Visa credit card account and excludes transfers from other BankVic credit cards. The BankVic Visa Silver Credit Card was awarded a Canstar 5-star award in the 2018 low fee credit card ratings category. 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.