Low Rate Visa Credit Card

General Lending Rates

Product Variations

Product Features

• Card Access

• Additional Cards

• Bill Payment

• Digital Banking

• 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.

• 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.

• Notifications

Product Eligibility

• Min Age - 18.

• Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..

• Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income..

• Pension Recipient

Bank Fees and Charges

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

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

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

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

• Foreign Drafts (Transaction), Amount: 20.00.

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

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

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

• Bpay Investigation Request (Transaction), Amount: 10.00.

• Retrieval Of Deposited Cheque (Event), Amount: 45.00.

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

• Card Recovery Fee (Variable), Amount: Not Listed.. Additional Information: At cost plus $20 bank processing fee

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

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

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

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

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

• Bpay Trace/bpay Error Correction (Transaction), Amount: 30.00.

• Atm Transaction Query (Event), Amount: 10.00.

• 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

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

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

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

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

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

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

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

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

• Copies Of Statement (up To 12 Months) Posted (Event), Amount: 1.00. Additional Information: per page

• Direct Debit Dishonour - Electronic (Transaction), Amount: 20.00.

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

• Deposited Cheque Dishonour Fee (Event), Amount: 15.00.

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

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

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

• Direct Debit Dishonour - Member Chequing (Transaction), Amount: 40.00.

 Limitations & Restrictions (Constraints)

• Max Limit of 50000.00

• Min Limit of 2000.00