Defence Bank
Defence Bank

Defence Bank Foundation Credit Card (3.99% p.a. 6 month intro rate on BT, purchases and cash advance)

Purchase Rate
8.99% p.a.
Cash Advance Rate
8.99% p.a.
Interest Free
Up to 55 days
Annual Fee
Balance Transfer Rate
3.99% p.a. for first 6 months
Intro Purchase Rate
3.99% p.a. for up to 6 months
  • 3.99% p.a. 6 month introductory rate on balance transfers, purchases and cash advances.
  • 8.99% p.a. ongoing rate on purchases and cash advances.
  • Up to 55 days interest free on purchases.
  • Half of the $45 annual fee is donated to the Defence Bank Foundation and goes towards providing specially-trained assistance dogs to veterans living with post-traumatic stress disorder (PTSD).

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

Fee & Repayments

Annual Fee $45.00
Annual Fee First Year $0.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 3% or $10.00
Interest Charged From StatementDate
Late Payment Fee $20.00

Other Charges

Duplicate Statement Fee -
Overseas ATM Balance Fee $0.00
Transaction Verification Fee -
Overseas ATM Withdrawal Fee $4.10
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $175.00
Terms & Conditions
Rates are current as 1 October 2020 and subject to change. Introductory rate is applicable for the first six months and then reverts to the ongoing rate, currently 8.99% p.a. Credit eligibility criteria, terms and conditions, fees and charges apply. All products except foreign currency and insurance are issued by Defence Bank. Defence Bank recommends you read the Defence Bank Products and Services - Conditions of Use for any product you choose to take. Any advice contained on this website is general advice only.

* 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.