Australian Military Bank Credit Cards

Australian Military Bank is a member-owned bank with a focus on the defence force community. But anyone can become a member. It has one credit card with a low interest rate, low annual fee and balance transfer offer.

Australian Military Bank Credit Cards

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Australian Military Bank Low Rate Visa Credit Card	Purchase rate p.a. 11.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. 0% for 12 months with 0% balance transfer fee, then 11.99%	Annual fee $49	More Info Compare	Enjoy a 0% p.a. for 12 month balance transfer offer with no BT fee, up to 45 days interest-free on purchases and add an additional cardholder for $0.

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Types of credit cards from Australian Military Bank

• Low rate credit card

The Australian Military Bank Low Rate Visa has variable interest rate of 11.99% p.a. that is competitive with other low rate cards. This card also has a 0% p.a. balance transfer offer and an annual fee of $49.

Benefits of getting a credit card with Australian Military Bank

• Visa benefits

You can use an Australian Military Bank credit card anywhere Visa is accepted. This includes contactless payments in stores, as well as online shopping or phone transactions. You'll also get access to exclusive deals for shopping, dining, entertainment and travel through Visa Offers + Perks (on the Visa website).

• Mobile wallets

You can add Australian Military Bank Visa debit and credit cards to any of the following wallets to make payments straight from your mobile phone or device:

• Apple Pay
• Google Pay
• Samsung Pay
• Fitbit Pay
• Garmin Pay

• Security

Australian Military Bank security features include a fraud protection service, 24-hour lost card hotline and added protection online through Visa Secure.

• Banking options

Australian Military Bank offers Internet banking and a mobile app so you can keep track of your accounts whenever you want. You can also visit one of the bank's branches or call 1300 13 23 28 between 8am-6pm (AEST) on weekdays or 9am-12pm Saturdays.

• Additional cards

If you want to get an additional card for a family member, you can do so without paying an additional cardholder fee.

How to apply

You can apply for an Australian Military Bank credit card online by filling in a secure application form on the bank's website. You can also apply over the phone by calling 1300 13 23 28, or visit a branch to fill in an application. Before you apply, make sure you meet the following eligibility criteria and have all the documents and details you'll need to complete the application.

Eligibility criteria

• Age. You must be at least 18 years of age.
• Australian residency status. You must be an Australian citizen or a permanent resident of Australia.
• Income. You must be currently employed or have a regular income.
• Credit history. You can apply for an Australian Military Bank credit card as long as you have not declared bankruptcy or insolvency – or defaulted on any loans, credit cards, interest free finance or store cards – in the last five years.

Documents and details

• Personal information. This includes your full name, residential address, phone number, date of birth, email address and marital status. You also need to provide ID in the form of your driver’s licence number, Australian Passport or Medicare card number.
• Employment details. As well as your regular income, you need to include details of your occupation, length of employment and your employer's contact details. You also need to provide your most recent payslip to help verify these details.
• Financial information. This covers any other sources of income, as well as savings, other assets and existing debts, loans or other liabilities. You also need to estimate your share of regular household expenses, such as rent or mortgage payments, bills and grocery spending.

If your application is approved, you'll automatically become a member of Australian Military Bank when the account is opened (if you're not already a member). If you have any questions about the application, you can call the bank on 1300 13 23 28 or email service@australianmilitarybank.com.au.

Credit card brands similar to Australian Military Bank

If you want a credit card from a member-owned bank or one that's focused on people working in government or law enforcement, here are 3 other credit card providers you could compare with Australian Military Bank:

• Border Bank credit cards
• Defence Bank credit cards
• Police Bank credit cards

Frequently asked questions

• What repayment options do I have?

  Details of all your repayment options will be listed on each statement, along with the due date. Ways to make repayments include BPAY, online and mobile banking options.

• Does the Australian Military Bank credit card offer frequent flyer or reward points?

  No, the Australian Military Bank Low Rate Visa credit card does not offer Qantas Points, Velocity Points or other reward points. Instead, it offers low-cost features. But if you're interested in earning rewards for your spending, you can compare rewards credit cards or frequent flyer credit cards.

• What should I do if my card is lost or stolen?

  If you have the Australian Military Bank mobile app, you can temporarily lock your account or even cancel the card.

  You should also report the lost or stolen card as soon as possible. In Australia, you can do this by calling Australian Military Bank on 1300 13 23 28. Overseas, you can report it to Visa by making a collect call to the following number: +1 303 967 1096. Alternatively, you can visit the Visa website to find a toll free number for the country you're in.

• How do I close my account?

  If you want to close your account or make changes to it, call Australian Military Bank on 1300 13 23 28 or visit a branch. Just keep in mind that you'll need to settle the account's entire balance before it can be fully closed.

Contact details and related links

• Contact number: 1300 13 23 28
  8am-6pm Mon-Fri, 9am-12pm Sat
• Australian Military Bank home loans
• Australian Military Bank savings and bank accounts

Compare other products from Australian Military Bank

• Australian Military Bank home loans
• Australian Military Bank savings accounts

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

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Amy has written 565 Finder guides across topics including:

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