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Bank & Save

Low Rate Visa Credit card.

11.99 % p.a. on purchases

0% for 12 months on balance transfers.*
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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.
AutoPay
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.

Apply online

Interest rates.

Low Rate Visa Credit card

Rate type Rate (% p.a.)
Purchase rate 11.99% p.a.
Cash advance rate 11.99% p.a.
Balance transfer rate 0% 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 number)
  • Over the Counter withdrawals
  • Bank@Post withdrawals.

Fees and charges.

Fees and Charges that apply Amount
Annual card fee $59.00
Cash advance fee $4.00
Declined transaction fee Payable whenever a declined Visa purchase or cash advance transaction^ occur (after one free per credit card per month). $0.40
Deposits using Bank@Post $2.00
Default fee $25.00
Default fee notice $20.00
International Transaction Fee⁶ 3% of the value of the transaction
Replacement Card Fee $10.00
Direct Entry Dishonour Fee $6.00
Text Me! Transaction fee $0.26
Inward Swift Payment fee $8.00

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

Other products you might be interested in.

   
 

Interest rates are current as at 8 December 2020 and are subject to change.
   
*

Offer of 0% p.a. interest on balance transfers for 12 months is available for a limited time on new and approved Low Rate Visa Credit Cards. Offer is only available on balances transferred from non-Beyond Bank credit or store cards, a 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 variable interest rate for purchases applicable at that time. We will not be responsible for any delays that may occur in processing payment to your other card account and we will not close that account.
   
^

A declined transaction occurs in the following circumstances:
a. Insufficient funds in the account
b. Incorrect Personal Identification Number (PIN) entered; or
c. Number of PIN tries exceeded.

(members over the age of 70 years are exempt)
   
1

The account will cease to be interest-free eligible if and when you fail to pay the closing balance stated on a statement of account in full by the due date for the statement of account.
   
2

Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details. Visa payWave® is a registered trademark of Visa Worldwide Pty Limited. For further information on Visa’s Zero Liability policy please refer to the Visa website.
   
3

Google Pay is available on all non-rooted Android devices (Lollipop 5.0+). For full Terms and Conditions, view here.
   
4

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see here.
   
5

For a full list of compatible Samsung Pay devices and Terms and Conditions, visit here.
   
6

This fee is payable when you use your Visa Credit Card, Visa Debit Card or Visa Prepaid Card to make a transaction:
- In a foreign currency when using your card either online or at a merchant point of sale (irrespective of where the transaction occurs); and/or
- In Australian dollars, when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion where a transaction denominated in a foreign currency is converted to local currency.
(This fee will be collected by Cuscal, with 1.0% payable to us, 1.0% is retained by Cuscal and 1.0% is paid to Visa International). Some overseas Merchants may allow you to pay in Australian dollars, for example, when you make a purchase online or over the phone. This is still considered an international transaction as the transaction is processed overseas and will attract any International Transaction Fee.
   
 

All applications for credit are subject to Beyond Bank’s credit assessment criteria. Terms and conditions are available on request. Fees and charges apply. This information is available on our website at beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch.
   
 

This information is of a general nature only and does not take into consideration your objectives, financial situation or needs. The information must not be relied upon as financial product advice. Before acquiring any product you should read the relevant guides, Product Disclosure Document, and consider whether a product is suitable for your circumstances to decide if a product is right for you.
   
 

All products and services are provided by Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2026.