Low Rate Visa Credit Card.

0% for 12 months on balance transfers.*

12.49 percent per annum
on purchases

Low rate. Low stress.

Enjoy the benefits of our Low Rate Visa 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.1

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.


  • With your Visa card, you can make contactless purchases under $100 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.


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 15/10/19 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.

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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