BSB 325 185
Log in（https://online.beyondbank.com.au/）
Bank & Save
Low Rate Visa Credit card.
12.49
% p.a.
on purchases
0% for 12 months on balance transfers.*
Apply online（https://forms.beyondbank.com.au/beyondbank/servlet/SmartForm.html?formCode=sf060&at=CC） Activate your card（https://www.beyondbank.com.au/help-and-contact/faqs/accounts/how-do-i-activate-my-card/）
Jump to
Apply online（https://forms.beyondbank.com.au/beyondbank/servlet/SmartForm.html?formCode=sf060&at=CC）
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
Great benefits
World-class security
Simple payment options
Great benefits.
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.
Add up to 4 additional cardholders, free of charge.
World-class security.
Visa Zero Liability Policy（https://www.visa.com.au/pay-with-visa/security/zero-liability.html）. Protects your card information 24/7. You won’t be held liable for unauthorised purchases made with your card or account information.²
Visa Secure（https://usa.visa.com/products/visa-secure.html）. Visa checks it’s you making the purchase
Simple payment options.
Add your card to your phone and other devices to make fast and easy transactions, almost anywhere you shop with Google Pay（https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/mobile-wallet/google-pay/）³, Apple Pay（https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/mobile-wallet/apple-pay/）⁴ and Samsung Pay（https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/mobile-wallet/samsung-pay/）.⁵
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（https://www.beyondbank.com.au/personal-banking/debit-and-credit-cards/credit-card-application.html）
Interest rates.
Low Rate Visa Credit card
Rate type Rate (% p.a.)
Purchase rate 12.49% p.a.
Cash advance rate 12.49% 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
Deposits using Bank@Post $2.00
Default fee $25.00
Default fee notice $20.00
International Transaction Fee ⁶ 3% of the value of the transaction
Replacement Card Fee $10.00
Direct Entry Dishonour Fee $6.00
Inward Swift Payment fee $8.00
View our Fees and Charges Booklet（https://brand.beyondbank.com.au/m/7470681f224b04de/original/Fees-and-Charges-Guide.pdf） for the full details of other transaction and service fees that may apply.
Other products you might be interested in.
Please read this important information.
Interest rates are current as at 13 October 2026 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.