Low Rate Visa Credit Card

General Lending Rates

Product Variations

Product Features

• Additional Cards

• Interest Free Additional Information: You may receive up to 45 days interest free period for purchases provided you continue to pay your closing balance in full on or before every statement due date.

• Digital Banking

• Bill Payment

• Balance Transfers Additional Information: 0.00% p.a.12 months introductory balance transfer rate.

• Card Access

• Digital Wallet

• Notifications

• Interest Free Transfers Additional Information: 0.00% p.a.12 months introductory balance transfer rate. Reverts to purchase rate after that period. Balance transfer offer (including interest rate and term) applies to approved requests made at the time of application.

Product Eligibility

• Min Age - 18.

• Residency Status - Individuals Must Be Permanently Residing In Australia.

• Natural Person

• Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income. Self Employed Clients Should Contact The Bank Prior To Applying.

Bank Fees and Charges

• Foreign Currency Conversion Fee (Transaction), Amount: Not Listed..

• Overseas Atm Withdrawals (Withdrawal), Amount: 4.50.

• Foreign Cheque Encashment (>au$5000) (Event), Amount: 50.00.

• Emergency Replacement Visa Card (within Australia) Bank Processing Fee (Variable), Amount: Not Listed.. Additional Information: At cost plus $20 bank processing fee

• Foreign Cash (Event), Amount: Not Listed.. Additional Information: 1% of AUD value of amount purchased. Minimum order of AU$100 applies

• Copies Of Statements (over 12 Months) At Branch Or Posted (Event), Amount: 5.00. Additional Information: per page

• Cash Advance At Other Financial Institution (Withdrawal), Amount: 4.50.

• Default Notice Fee (Event), Amount: 30.00. Additional Information: Payable when a notice is issued regarding a default under the credit card contract

• Overseas Visa Card Replacement Bank Processing Fee (Variable), Amount: Not Listed.. Additional Information: At cost plus $20 bank processing fee

• Stopped Bank Cheque (Transaction), Amount: 15.00.

• Eft Trace/recall Of Funds (Transaction), Amount: 25.00.

• Annual Fee - Credit Card (Periodic), Amount: 49.00.

• Bank Cheque (Event), Amount: 5.00.

• Copies Of Statements (up To 12 Months) At Branch (Event), Amount: 2.50.

• Paper Statement Fee (per Statement) (Periodic), Amount: 2.00.

• Periodical Payment - Insufficient Funds Rejection Fee (Transaction), Amount: 5.00.

• Archive Retrieval Fee (Variable), Amount: Not Listed.. Additional Information: A hourly fee applies plus any expenses incurred

• Foreign Drafts (Transaction), Amount: 20.00.

• Telegraphic Transfers (aud) (Transaction), Amount: 35.00.

• Arrears Notice Fee (Event), Amount: 20.00. Additional Information: 2nd and subsequent reminders by letter or phone

• Encashment Of Foreign Cash (Event), Amount: 10.00. Additional Information: Minimum encashment of AU$50 applies

• Telegraphic Transfers (online) (Transaction), Amount: 20.00.

• Amendment/ Cancellation Of Telegraphic Transfer/swift Transfers (Transaction), Amount: 35.00.

• Declined Visa Dispute (Event), Amount: 30.00. Additional Information: If a Visa dispute lodged by you is declined and found that the claim was invalid

• Telegraphic Transfers (foreign Currency) (Transaction), Amount: 30.00.

• Foreign Cheque Encashment ( (Event), Amount: 15.00.

• Direct Debit Dishonour - Electronic (Transaction), Amount: 10.00.

• Late Payment Fee - Credit Card (Event), Amount: 10.00.

• Swift Transfers (Transaction), Amount: 25.00. Additional Information: Electronic funds transfer between Australian Military Bank and other financial institutions

• Copies Of Statements (up To 12 Months) Posted (Periodic), Amount: 5.00. Additional Information: per page

• Card Transaction Voucher Retrieval (Event), Amount: 35.00.

• Audit Certificate Fee (Event), Amount: 50.00. Additional Information: Per audit certificate requested

 Limitations & Restrictions (Constraints)

• Min Limit of 2000.00

• Max Limit of 50000.00