Defence Bank Foundation Credit Card

credit card

Foundation Credit Card is a credit card from Defence Bank, as the bank publishes it in its product data. Its purchase rate is 8.99% and its card fee $45 a year. It ranks 4th of 52 issuers for a personal card by lowest purchase rate; and 21st of 22 issuers for a personal card by the length of its balance transfer offer.

What the feed states

Purchase rate

8.99%

Introductory purchase rate

3.99% for the first 6 months

Cash advance rate

8.99%

Interest-free days

up to 55

Card fee

$45 a year (Annual Fee)

Foreign transaction fee

3% of the transaction

Balance transfer offer

3.99% for 6 months (then 8.99%); for new cards

Digital wallets

Compatible with digital wallets from Ap…

Additional cardholders

offered

Scheme

Visa

Conditions and offers

• corrected from the bank's own page: 8.99% on purchases and cash advances, a $45 annual fee, and 3.99% for the first six months on purchases, balance transfers and cash advances (rates current as at 15 July 2026)
• the feed labels the card's rate as a variable rate rather than a purchase rate
• 3.99% on purchases for the first 6 months, then the purchase rate
• $20 late payment fee; cash advance fee from $4.10

About this card

A Visa credit card that gives back. Half of the annual $45 card fee is donated to the Defence Bank Foundation - a charity whose sole beneficiary is Defence Community Dogs.

Data

• Defence Bank's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-24.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/defence-bank.json: this issuer's cards as JSON; Defence Bank's page lists them.
• The bank last updated this record on 2026-03-16; 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.