Credit Cards.

Yes. Card controls are available for Salary Packaging cards.

Yes. A branch consultant can show you how to use the card controls service on the in-branch iPad or on your own device, but they aren’t able to apply any changes on your behalf.

Yes, you may authorise us, if we agree, to issue a card to each signatory provided each person complies with the Visa Debit criteria as set our in our Product Guide, by visiting your nearest branch or calling us on 13 25 85.

You must be at least 13 years of age or older to apply for a Visa Debit card.

If our Mobile Banking or Internet Banking service is not set up on your account, we won’t be able to apply a temporary block. In this case, the card would need to be cancelled if it had been lost or stolen.

If these services are not set up, then we would be happy to assist you with setting them up.

If you present your card or provide your card details to a merchant, Beyond Bank does not provide any further authorization; your own authorisation is all the merchant needs to process the transaction.

When you present your credit card and authorise the transaction, you initiate a credit transaction that will display as a ‘pending’. Once a transaction has been initiated, the merchant has 45 days to complete the transaction, though they will usually complete it within a few days.

In internet banking and the app, any ‘pending’ transactions are shown as ‘uncleared funds’ in the Transaction History section. When the merchant completes the transaction, it will display as a completed transaction on the Transaction History page.

The easiest way to reset the PIN on your card is from within Internet Banking or the App. In Internet Banking, you can navigate to Services > Card Management and in the App, you can simply select from the main menu Settings > Cards.

Once on the Card Management screen, you can select the card for which you would like to change the PIN, and enter a new one.

If you do not have access to Internet Banking or the App, you can change your card PIN by heading into a branch and requesting assistance from one of our friendly staff members, who can also set you up with our digital facilities so you can change your card PIN digitally thereafter.

You can make repayments on your credit card by transferring to the account number attached to it. If you’re making a payment from another bank to your Beyond Bank Credit Card, you will need to include Beyond Bank’s BSB (325-185) and the account title (your full name), just as you would if you were transferring to any other type of Beyond Bank account.

The account number is displayed on your statement, though if you’re having trouble locating it you can call our Customer Relationship Centre (CRC) on 13 25 85 and quote your membership number.

You can request to close your credit card account online via Internet banking or through the Mobile App.

• In the Mobile Banking app - Click Manage Cards > Click the credit card > Cancel Card.
• In Internet Banking - Services > Card Management > Select cancel card beside the credit card.

If you do not currently have a current and active card linked to your credit card account or for assistance with other types of accounts, such as a loan or line credit, please speak to our team on 13 25 85, in a branch or by sending us a message using the Secure Mailbox in the Mobile App.

Look on your statement, Internet Banking or our Mobile App.

In Internet Banking, click the ellipses to the right of the account.

In our Mobile App:

1. Tap "Account" on the dashboard
2. Tap the account in arrears
3. Tap the ellipses in the top right corner, then;
4. Tap "Account Information" to display the amount due

You can increase your credit card limit simply by applying for a new credit card and requesting a higher limit. When completing the liabilities section, you can indicate that you have an existing credit card, and you would like to clear and close that card with the new card that you’re applying for.

If your existing card is with Beyond Bank, you will be able to simply increase your existing limit and keep that card without needing to make any other changes.

You can make a payment into your credit card account at any time, from anywhere in the world using internet banking or the app.

If you are transferring from another Beyond Bank account, simply log into internet banking or the app, navigate to the Transfer screen and select your credit card account as the recipient account. You can then select any of your transactional accounts to transfer the funds from.

If you are transferring from another bank, you can use the account details for your credit card. You will need to include the BSB (325-185), account title (your full name) account number for your credit card, which can be found on your statement, or by calling our Customer Relationship Centre (CRC) on 13 25 85.

Staff in the Customer Relationship Centre (CRC) can order a new card for you, which can be activated immediately in our App so you can use your mobile wallet while you wait for your card to be delivered. The card can take between 7-10 days business days to arrive.

You can request to reduce your credit card limit online via Internet Banking or through the Mobile App.

• In the Mobile Banking app - Click Manage Cards > Click the credit card > Reduce Limit.
• In Internet Banking - Services > Card Management > Select Reduce Limit beside the credit card.

If you do not currently have a current and active card linked to your credit card account or for assistance with other types of accounts, such as a loan or line credit, please speak to our team on 13 25 85, in a branch or by sending us a message using the Secure Mailbox in the Mobile App.

Internet Banking:

• Log into Internet Banking
• Navigate to ‘Services’ and ‘Card Management’
• Complete two-factor authentication to access this page
• Select 'Lost or stolen', and follow the prompts.

Mobile Banking:

• Log into the Mobile App
• Select the 'hamburger' menu item in the top left corner of the screen to open the main menu
• Select 'Manage cards', and click on the relevant card
• Select 'lost or stolen' card, and follow the prompts.

You can also report your card as lost or stolen by sending a Secure Message in Internet Banking or the Mobile App, though it is recommended that you call the lost or stolen card hotline on 1800 648 027 or +61 2 8299 9101 from overseas, as Secure Messages can take up to one business to be actioned.

Once a card control function has been enabled or disabled, it will stay in that position until it is manually changed back.

Once you submit your application, we will endeavour to complete the application, including providing you with an answer within 48 hours business hours.

The answer that we provide you with will be pending the provision of a number of documents to confirm the details that you have provided in the application. At this stage the application simply depends on how quickly you are able to get these documents to us; once we have everything that we need, we are able to fund the credit card.

As this loan product can only be accessed with a card, we need to send a card out for you to use at this stage. Once we have funded the loan and ordered the card, it will take 5-10 business days to be sent to your nominated mailing address.

If you need to complete a cash advance transaction using your Beyond Bank Credit card, the transaction will be subject to the same limits as a Visa Debit card.

Transaction limits are set at $1,500 as a default, however, you can request that this is increased to either $2,500 or $6,000.

If you do need to increase the limit for a cash advance, remember that you need to allow a maximum of 10 minutes for the increase to be in effect once you have requested it. It is also important to note that such an increase will remain in effect until 11:59pm on the day that you have requested it, and will be reset at midnight.

You can see the status of an application that you have made for any type on loan from within internet banking. Simply log in and navigate to Apply > Loan Status and view any pending applications that you have made.

If you need more specific information regarding an application, you can call the Customer Relationship Centre (CRC) on 13 25 85.

We cannot put a temporary lock on a misplaced card, so it’s important to ensure that you want to cancel your card before you call.

Once you have submitted your credit card application, a loans consultant will be in touch to confirm receipt of the application and gather any additional information that they need.

Once the application is approved, you will be notified again and the credit card will be ordered.

A new card takes between 5-10 business days to be delivered and will be posted to your home address.

Yes. Cancelling your card will override any temporary blocks applied.

An additional cardholder has all the same access to your credit card account as you do. They will have a card provided to them and they will be able make transactions just as you are able to.

If you have multiple accounts with Beyond Bank and you have an additional cardholder attached to your credit card, the additional cardholder will not be able to access the accounts to which the credit card is not attached, unless you provide express permission for them to do so by making them a signatory.

The annual fee for our Low Rate Credit Card is $59.00. This fee is charged at the end of the first month during which the Credit Card contract commences, and then annually thereafter.

For a full explanation of all of the fees charged by Beyond Bank, please see our Fees and Charges guide.

Temporary Card Block – Instantly apply a block to the card if it has been misplaced. The block can be removed at any time and does not stop recurring transactions or Digital Wallet transactions.

Online Purchase – Disable to block all card-not-present transactions.

Contactless – Disable to block all contactless transactions.

In-Store Purchase – Disable to block all card-present transactions. This will also block contactless transactions (excludes Digital Wallet transactions).

Digital Wallet – Disable to block all Digital Wallet transactions.

ATM Withdrawal – Disable to block domestic and/or international ATM cash withdrawals on the card.

If you suspect that fraudulent transactions have been made on your credit card, you should call our fraud department immediately on 1300 705 750 from Australia, or +61 2 8299 9534 from overseas. Our staff will be able to provide more information about the transaction in question and cancel the card if required.

If you’re having difficulty making credit card payments, we would much prefer helping you get back on track rather than charging any additional fees, so you should get in touch with us as soon as you can.

You can call our Customer Relationship Centre on 13 25 85 and request to speak to our Credit Control department between 9am and 5pm (Adelaide time) on weekdays.

Approximately halfway through the month that your card is due to expire (visible on the front of the card), you should be sent a new card.

If you have not received the card by the twentieth day of the month in which your current card is set to expire, you can call the Customer Relationship Centre (CRC) on 13 25 85 to determine whether there have been any issues and organise sending a new card to you if need be. This will allow enough time for you to still receive and activate your new card before your existing card stops working.

If you have supplied your 16 digit card number to pay a bill or make donations you will need to contact the company and let them know of your new credit card number once it is received.

Please note, once you report your card as lost or stolen if you have the card set up in your mobile wallet the card will no longer work and you will need to load the new card once it arrives.

*$10 replacement fee for lost, stolen, captured or damaged cards.

A balance transfer occurs when you apply for a new credit card to take on the balance of the debt on an existing credit card and subsequently can close that existing credit card.

For example, if you have a credit card with Bank A that has a $1,000 limit and $400 debt owing, you can apply for a balance transfer credit card with Bank B and have the debt transferred.

Why is this beneficial? Beyond Bank offers 0% on balance transfers for 12 months. This means if you transfer a debt from another financial institution to us, you won’t pay any interest on that debt for 12 months, which can really help to reduce the amount of debt that you owe.

A cash advance is when you withdraw cash using your credit card. The transaction is subject to the applicable cash advance interest rate attached to the card. Beyond Bank ’s credit card cash advance fee is $4.00.

Cash advances are not recommended on credit cards as they attract a higher rate of interest and higher fees.

You should always consider these additional costs before choosing to withdraw cash from your credit card.

For a full explanation of all of the fees charged by Beyond Bank, please see our Fees and Charges guide.

When you are providing details for your credit card for a remote transaction, you will sometimes be asked for your CVV. Sometime this will also be referred to as a security number.

The CVV is located on the back of your card, on the right-hand side of the panel where you sign it, and you can provide this verbally to complete a remote transaction.

The fee for overseas transactions is 3% of the transaction amount, so for every $100.00 you spend on an overseas transaction, $3.00 will be added to the transaction amount.

For a full explanation of all of the fees charged by Beyond Bank, please see our Fees and Charges guide.

Credit card interest is the charged incurred for essentially borrowing money every time you use your credit card.

Most credit cards will have interest free days and provided you payoff the closing balance at the end of each statement period, you will not be charged any interest on eligible transactions.

The interest rate for our Low Rate Credit Card is calculated daily and charged at the end of each month.

You might get charged different rates of interest on your credit card. This could include the purchase rate, the cash advance rate or a balance transfer rate. If and how you get charged interest will vary depending on the types of transactions that have been made.  Beyond Bank currently has different interest rates for purchases, cash advances and balance transfers. Any interest that is payable will be calculated daily and charged at the end of each month.

Beyond Bank’s credit card also has up to 62 days interest free on purchases.  If you meet the requirements and have made no other ineligible transaction types, you may not be charged any interest at all.

Card purchases made with our Low Rate Credit Card do not attract any transaction fees.  However, if you make a cash advance transaction (such as an ATM withdrawal) you will incur a $4.00 Cash Advance fee.

Other transaction fees that apply to credit cards are Bank@Post transaction using your credit card or if you use your credit card overseas. The Bank@Post fee is $4.50 for a withdrawal and $2.00 for a Bank@Post deposit, and the overseas transaction fee is calculated as 3% of the transaction amount, so for every $100.00 you spend on an overseas transaction, $3.00 will be added to the transaction amount.

A fee can also be incurred if a transaction that you attempt using your credit card is declined due to insufficient funds ($0.40).

Besides the above, there are also fees applicable if you fail to meet the contract minimum repayments. For a full explanation of all of the fees charged by Beyond Bank, please see our Fees and Charges guide.

On the month that your credit card is due to expire, you will receive a new card with the same card number and a new expiry date.

For example, if your card is due to expire on 02/22, you will receive a new card in the post approximately halfway through February in 2022. Your soon-to-be expired card will continue to work until the end of February, but you can destroy and dispose of it once you receive and activate your new one.

The closing balance for your credit card shows on each of your statements. It is simply the balance owing on the card at the end of the statement period.

The minimum repayment is the minimum amount that you need to pay each month to satisfy the credit card contract.

Example 1: a credit card with a limit of $10,000.00 and an outstanding amount of $1,500.00 at the end of January will require a minimum repayment of $45.00 in February, calculated as 3% of $1,500.00.

Example 2: a credit card with a limit of $1,000.00 and an outstanding amount of $100.00 at the end of January will require a minimum repayment of $20.00, as 3% of $100.00 is less than $20.00.

If your credit card has interest free days, you will need to pay the full closing balance to be eligible and not be charged interest on any purchases.

No. Once you make a change on one of your devices, the block will apply to your account which will be reflected across all your devices.

Yes. Direct debits made against the card number will continue to be deducted.

New cards are sent out with new PINs, PINs can be changed through the app and internet banking or at your local branch.