Bank Australia Low Rate Visa Credit Card
credit card
Low Rate Visa Credit Card is a credit card from Bank Australia, as the bank publishes it in its product data. Its purchase rate is 12.34% and its card fee $0 a year. It ranks 24th of 52 issuers for a personal card by lowest purchase rate; 3rd of 10 issuers for a personal card with no annual fee, by purchase rate; and 18th of 22 issuers for a personal card by the length of its balance transfer offer.
What the feed states
- Purchase rate
- 12.34%
- Cash advance rate
- 12.34%
- Interest-free days
- none stated
- Card fee
- $0 a year (Annual Fee - Low Rate Credit Card)
- Foreign transaction fee
- 3% of the transaction
- Cash advance fee
- $3.50
- Additional cardholder fee
- none
- Balance transfer offer
- 0.00% for 6 months (then 12.34%)
- Digital wallets
- Apple Pay, Google Pay, Samsung Pay
- Additional cardholders
- up to 1
- Credit limit
- from $1,000
- Minimum age
- 18
- Scheme
- Visa
Conditions and offers
- confirmed on the bank's own page: 12.34% on purchases and cash advances (from 1 November 2026), no annual fee and 0% for 6 months on balance transfers
- 0.00% on balance transfers for 6 months, then 12.34% (the purchase rate)
- no annual fee and no late payment fees
- no interest-free days on purchases
- 0% balance transfer applies to balances from other banks only
- aged 18+, living in Australia permanently or temporarily, with a regular source of income
Who can apply, in the bank's words
- Each application for credit is subject to our normal lending criteria and approval.
About this card
A lower interest rate to reduce your borrowing costs. Great for those who have a carryover balance each month.
Data
- Bank Australia's own page for this card.
- The issuer's documents its feed links to: terms and conditions, fees.
- Our verbatim snapshot of the bank's product record (source), as fetched on 2026-11-05.
- The issuer's Key Facts Sheet.
/au/finance/credit-cards/v1/brands/bank-australia.json: this issuer's cards as JSON; Bank Australia's page lists them.- The bank last updated this record on 2026-11-04; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.
Other cards at Bank Australia
- Platinum Visa Credit Card credit card, 20.99%, $189 a year
- Visa Credit Card credit card, 19.74%, $0 a year
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