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For and with you
Bank & Save

Low Rate Visa Credit card.

11.99 % p.a. on purchases

0% for 12 months on balance transfers.*

Low rate. Low stress.

Get the benefits of competitive interest rates and a balance transfer offer.

Balance transfers
Get a discounted interest rate for transferring your balances from other credit card providers.
You can choose to automatically pay a set amount, the minimum monthly payment or the total balance every month.
Smart chip protection
Increase your security and reduce your exposure to counterfeiting, card skimming, and other fraud with a smart chip.
Interest free
Maximise the interest free days on purchases with up to 62 days interest free.¹
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Who can apply?

The Low Rate Credit Card is available to individuals 18 years and older for personal use. Lending criteria and eligibility applies.


TypeRate (% p.a.)
Purchase Rate11.99%
Cash Advance Rate11.99%
Balance Transfer Rate0% for 12 months or 4.99% for 6 months*

Important interest rate information.

You will be charged different rates used depending on the transaction type.

Purchase Rate.
  • Purchases made pressing 'credit'
  • Online purchases made using the card number
  • BPAY transactions
  • Direct Debits (using the card number)

Cash Advance Rate.
  • Transfers made through Internet/Mobile/Telephone Banking (other than BPAY)
  • Cash withdrawals made through EFTPOS terminals
  • ATM withdrawals
  • Direct Debits (using the account or Member no.)
  • Over the Counter withdrawals
  • Bank@Post withdrawals.

Fees and charges.

Fees that apply

Annual card fee


Cash advance fee


Declined transaction fee Payable whenever a declined Visa purchase or cash advance transaction^ occur (after one free per credit card per month).


Deposits using Bank@Post


Default fee


Default fee notice


International Transaction Fee


3.0% of the value of the transaction

Replacement Card Fee


Direct Entry Dishonour Fee


Transfer honour fee


Text Me! Transaction fee


Inward Swift Payment fee


^Withdrawals and enquiries at Australian and overseas ATMs may incur an ATM operator fee charged by the ATM operator.


View our Fees and Charges Guide for the full details of other transaction and service fees that may apply.

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