Low Rate Visa Credit Card.

0% for 12 months on balance transfers.*

11.99 percent per annum
on purchases

Low rate. Low stress.

Enjoy the benefits of our Low Rate Visa Credit Card.  Save on interest when you transfer your existing credit card balances from other providers and take advantage of our 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


  • With your Visa card, you can make contactless purchases under $200 by simply waving your card or mobile wallet against the terminal
  • Credit limits starting from $1,000
  • 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 information2
  • Visa Secure. Visa checks it’s you making the purchase
  • Up to 4 additional cardholders, free of charge.

You will be charged different interest rate/s used depending on the transaction type.

Details are provided below:

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.

We may from time to time make special offers available, such as introductory rates or balance transfers. These will be bound by the conditions set out at the time of the offer.

Important rates, fees and charges.

Low Rate Visa Credit Card

Purchase Rate p.a. 11.99%
Cash Advance Rate p.a. 11.99%
Balance Transfer Rate p.a. 0% for 12 months or 4.99% for 6 months

Annual card fee $49.00
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 Fee² 3.0% of the value of the transaction
Replacement Card Fee $10.00
Direct Entry Dishonour Fee $6.00
Transfer honour fee $2.00
Text Me! Transaction fee $0.26
Inward Swift Payment fee $8.00

^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.

How to apply?

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

Who can apply?

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

When you acquire this product you will automatically become a member of Beyond Bank Australia and become a part-owner of the bank.

Simple payment options.

Add your card to your phone and other devices to make fast and easy transactions, almost anywhere you shop with Google Pay3, Apple Pay4 and Samsung Pay.5

Interest rate is current as at 08/12/20 and is 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.

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

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

Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. 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.

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

Terms, conditions, fees and charges apply; these will be provided at application or on request. Normal lending criteria applies. 

This information has been provided without taking into account any of your objectives, financial situation or needs. You should consider whether it is suitable for your circumstances before acquiring this product. 

All loans are provided by Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit Licence 237 856. © 2020.

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