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Visa Credit Card
Visa Debit Card

12.24% pa
Purchase Interest Rate

The Visa credit card is a no frills card with a low interest rate and low annual fee, with up to 55 days interest free.

a low ongoing rate for both purchases and cash advances
an introductory rate of 8% p.a. for 8 months
up to 55 days interest free
low annual fee
keep transaction fees to a minimum
card can be added to Apple Pay, Google Pay^TM and Samsung Pay
payWave/contactless functionality
added security with Verified by Visa
monitor transactions and balances with the App

Visa Credit Card Product Features:

Visa Credit Card
Interest Rates
Purchase interest rate	12.24% pa
Cash advance interest rate	12.24% pa
Balance transfer rate	8.00% pa¹
Key Features
Annual Fee	$45
Free PIN changes	Yes
Monthly fee	$0
Visa payWave	Yes
ATM/EFTPOS access	Yes
Daily transaction limits	No ²
BPAY®	Yes

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The Visa Debit Card is attached to a transaction account, allowing you to transact across Australia and internationally as well as online, and because you're using your own funds there are no interest charges.

worldwide ATM and EFTPOS access
ability to shop online
telephone and Internet access
keep transaction fees to a minimum by selecting the credit option at the point of purchase
card can be added Apple Pay, Google Pay^TM and Samsung Pay
payWave/contactless functionality

Visa Debit Card Features:

Visa Debit Card
Key Features
Free PIN changes	Yes
Monthly fee	$2.50 ³
Visa payWave	Yes
ATM/EFTPOS access	Yes
Daily transaction limits	Yes
BPAY®	Yes

In addition:

You get added security when purchasing online through selected merchants with the Verified by Visa service.
Approval can be granted quickly upon receipt of your application.
You can select your own PIN number.

Related information:

¹ The introductory/balance transfer rate applies for the first 8 months, after which it will revert to the prevailing purchase/cash advance rate.

² Up to your approved credit limit.

³ Visa Card Fee exemptions apply - refer to the Schedule of Fees and Charges for details.

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