Low Rate Visa Credit Card

Low rate. Low stress.

If you've been spending more than you thought on your credit card, our award winning Beyond Bank Low Rate Credit Card could be the answer.
It offers you:

  • 0% on balance transfers for 12 months1
  • Up to 62 interest-free days on new purchases.2

This means you won’t pay any interest on the balance you transfer until next year after which your balance will transfer to our low purchase rate, so managing your credit should be a whole lot easier. Apply for our Visa Card today and start enjoying the benefits.

0% on Balance Transfers 1

on purchases

Best of the Best Credit Card - 2 Years Running.

For the second year in a row, our Low Rate Visa Credit Card has been named Best Transactor Credit Card – Bank Category in Money magazine’s 2016 Best of the Best awards.
The annual Best of the Best awards, now in their 15th year, recognised our low rate credit card for providing an interest-free period of up to 62 days – giving you more time to pay off your debt before having to pay interest.
This is why our Low Rate Visa Credit Card is great for “transactors” – that is, those who like to use their credit card but always pay it in full each month.
This recognition from Money magazine demonstrates exactly how we are delivering on our promise to put ‘customers first’ and return value to customers through our products and services.

Low rate. Low stress.

Enjoy the benefits of our Low Rate Credit Card. Transfer your existing balances from other credit card providers and save with our balance transfer offer. You can also pay less interest with an ongoing interest rate on purchases that is lower than the major banks’ low rate credit cards, and up to 62 interest free days available on purchases.

Beyond Bank is a mutual bank, which means profits are passed on to our customers and used to support community projects. Join the bank that gives back.


  • Balance transfers. Get a discounted interest rate for transferring your balances from other credit card providers
  • Up to 62 days interest-free on retail purchases2
  • AutoPay. You can choose to automatically pay a set amount, the minimum monthly payment or the total balance every month
  • Wave and go with Visa payWave. Make purchases under $100 by simply waving your card against the PayPass terminal
  • Credit limits starting from $1,000
  • Smart Chip Protection. Increase your security and reduce your exposure to counterfeiting, card skimming, and other fraud with a smart chip
  • Visa Zero Liability Policy. Visa protects your card information 24/7. You won’t be held liable for unauthorised purchases made with your card or account information
  • Verified by Visa. Visa checks it’s you making the purchase
  • Up to 4 additional cardholders, free of charge


Balance Transfers

  • 0% p.a. for 12 months on Balance Transfers completed in the first month after card funding1



Credit card repayment calculator

Optional Add-ons

Looking for a home loan?

We offer a great range of home loans to suit your budget.

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Want to refurbish your new home?

Apply for a personal loan and turn your dreams into reality.

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Travelling overseas?

Want a MasterCard® that carries ten currencies? The Cash Passport is a multi-currency, prepaid money card. Access your money anywhere that MasterCard® is accepted.

* Interest rate is current as of 09/11/2014. 0% for 12 months on balance transfers 1

Terms and conditions, fees and charges and normal lending criteria apply and are available on request. The advice is general and you should consider if it is suitable for you. For full terms, conditions, fees and charges please view our Terms & Conditions and Fees and Charges Guide.

1. Offer available for a limited time  on new and approved Low Rate Credit Cards. Offer is only available on balances transferred from non-Beyond Bank credit or store cards, minimum balance transfer of $500 applies. Offer must be requested by you within one month of the date your credit card has been funded.  After the balance transfer period any remaining balance will revert to the interest rate for purchases, to view the current rate click here.

2. Interest free periods on purchases do not apply if you do not pay your closing balance (which includes any balance transfer) shown on your credit card statement in full by the applicable due date.

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For the security of your accounts, Internet Banking no longer supports Internet Explorer 8 or earlier versions.

As you may know, Microsoft recently made the decision to discontinue its support of Internet Explorer 8 (IE8). This leaves users exposed to potential security risks. As a result, Beyond Bank's Internet Banking will no longer support Internet Explorer 8 or earlier versions. Going forward, Beyond Bank will support Internet Explorer 9 or later to ensure the security of your accounts.

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