Low Rate Credit Card

General Lending Rates

Product Variations

Product Features

• Additional Cards Additional Information: Up to 4 additional card holders

• Bill Payment Additional Information: BPAY available.

• Card Access

• Complementary Product Discounts

• Digital Banking Additional Information: Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services

• Digital Wallet Additional Information: Load your Beyond Bank Visa Credit card to your phone to make fast and easy transactions

• Npp Enabled Additional Information: New Payments Platform (NPP) available. Allows you to send and receive money instantly between eligible accounts with your PayID.

• Npp Payid Additional Information: New Payments Platform (NPP) is available. Use your mobile number or email as your PayID to send and receive money instantly between eligible accounts.

• Other Additional Information: AutoPay: you can choose to automatically pay a set amount, the minimum monthly payment or the total balance every month.

• Balance Transfers Additional Information: 12 or 6 months Balance Transfers options are available on newly approved Low Rate Credit Cards. Conditions apply.

• Interest Free Additional Information: Receive up to 62 interest free days available on purchases. Conditions apply.

• Interest Free Transfers Additional Information: Balance Transfer: 0% on balance transfers for 12 months. Limited offer. Conditions apply.

Product Eligibility

• Min Age - 18.

• Natural Person

• Other Additional Information: Lending criteria applies.

• Other Additional Information: Membership: You must be or become a Beyond Bank Australia member

• Residency Status - Australian Citizen. Additional Information: Must be an Australian citizen, Permanent Australian resident or hold a Visa - if a Visa holders' income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan. An Australian resident is a person who is living in Australia and is an Australian citizen, a permanent visa holder, or a protected Special Category visa (SCV) holder.

Bank Fees and Charges

• Declined Withdrawal Fee (Transaction), Amount: 0.40.

• Bank@post Deposit Fee (Transaction), Amount: 2.00.

• Bank@post Withdrawal Fee (Transaction), Amount: 4.00.

• Cash Advance Fee (Transaction), Amount: 4.00.

• Default Notice Fee (Event), Amount: 20.00.

• Annual Card Fee (Periodic), Amount: 59.00. Additional Information: This fee is payable at the end of the month in which your account is opened and every 12 months thereafter.

 Limitations & Restrictions (Constraints)

• Max Limit of 80000.00

• Min Limit of 1000.00