Bank Australia Credit Cards

Bank Australia (formerly known as bankmecu) is a customer-owned bank with over 160,000 members. It prides itself on not lending money to industries that do harm, including fossil fuels and live animal export. Instead, it lends money to individuals, housing for people with disability, non-profits, renewable energy and more.

Bank Australia offers an array of financial products and services, including everyday banking accounts, savings accounts, term deposits, home loans, personal loans, insurance solutions and credit cards.

Comparison of Bank Australia Credit Cards

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Purchase rate p.a. (low-high)Purchase rate p.a. (high-low)Bonus points (low-high)Bonus points (high-low)Points per $ spent (low-high)Points per $ spent (high-low)Interest-free period (low-high)Interest-free period (high-low)Balance transfer rate p.a. (low-high)Balance transfer rate p.a. (high-low)Annual fee (low-high)Annual fee (high-low)

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Bank Australia Low Rate Visa Credit Card Green Company	Purchase rate p.a. 12.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period 0 interest free days	Balance transfer rate p.a. 0% for 6 months with 0% balance transfer fee, then 12.99%	Annual fee $59	ContinueMore Info Compare	Offers 0% p.a. on balance transfers for the first 6 months and a low rate of 12.99% p.a. on purchases. Plus, compatibility with Apple Pay, Google Pay and Samsung Pay.
Bank Australia Platinum Rewards Visa Credit Card Qantas Frequent Flyer Green Company	Purchase rate p.a. 20.24%	Bonus points N/A	Points per $ spent 0.75	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $189	ContinueMore Info Compare	Receive complimentary travel insurance, up to 1.75 Qantas Points per $1 spent and access to Visa Platinum entertainment offers.
Bank Australia Visa Credit Card Green Company	Purchase rate p.a. 19.74%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0	ContinueMore Info Compare	Save with an ongoing $0 annual fee and a competitive purchase rate of 19.74% p.a. Plus, compatibility with Apple Pay, Google Pay & Samsung Pay.

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Congratulations, Bank Australia!

The Bank Australia Visa Credit Card was highly commended for Best No Annual Fee Credit Card in the 2025 Finder Awards.

Full list of 2025 winners

Types of credit cards from Bank Australia

Bank Australia's range of credit cards are designed to suit different spending habits and needs. The cards you can choose from include:

• Low rate credit card

The Bank Australia low rate credit card offers a low ongoing variable purchase rate of 12.99% p.a. This card attracts a nominal annual fee of $59 and gives you access to funds around the world, anywhere Visa is accepted.

• No annual fee credit card

The Bank Australia Visa Credit Card charges a $0 annual fee and a competitive standard variable purchase rate of 19.74% p.a. It also offers up to 55 interest-free days on purchases when you pay your balance in full by the due date on each statement.

• Platinum credit card with frequent flyer rewards

The Bank Australia Platinum Rewards Visa Credit Card earns 0.75 Qantas Point per $1 spent on eligible purchases and 1 point per $1 spent on selected Qantas products and services in Australia. It also offers platinum perks including complimentary overseas travel insurance. This card attracts an annual fee of $189.

What are the benefits of banking with Bank Australia?

Banking with Bank Australia comes with a number of benefits, and here’s what you can look forward to as a Bank Australia member:

• Savings

Bank Australia is 100% owned by customers. This means the bank can put profits back into providing better rates and lower fees for members.

• Round-the-clock customer service

Bank Australia members who reside in New South Wales, Victoria, Queensland, South Australia, and ACT can get in touch with a Bank Australia representative over the phone at any time of the day or night.

• Internet banking

In keeping up with changing times, Bank Australia gives you access your account information over the internet, through its online and mobile banking platforms. You can turn online to change personal details, view transaction history, and make payments.

• Community investments

When you bank with Bank Australia, you know that you’re part of an initiative aimed at giving back to society. It has a Conservation Reserve designed to help protect endangered species and offset the bank's environmental impact. It also invests a portion of profits in projects that address social issues through the Bank Australia Impact Fund.

• Digital wallets and contactless payments

You can now use your smartphone or compatible device to make contactless payments at the terminal when you link your Bank Australia credit card to Apple Pay, Samsung Pay or Google Pay.

How to apply for a Bank Australia credit card

You can apply for a Bank Australia credit card online or by visiting any Bank Australia service centre. Before you apply, make sure you meet the eligibility requirements and have all the required documents and information on hand.

Eligibility criteria

If you wish to apply online, ensure first that you meet the following eligibility criteria:

• You must be at least 18 years of age
• You must be an Australian citizen or a permanent resident of Australia
• You must have good credit rating

Required documents

To complete the application, prepare to provide the following information:

• Employment details and details of income from all sources
• Details of assets like property, vehicles, investments, and savings
• Details of liabilities like loans, credit cards, overdrafts, and lines of credit
• Details from your Australian driver’s license, passport, or Medicare card

Bank Australia credit cards offer a variety of competitive features that allow you to cut down on credit costs or take advantage of rewards and platinum perks. As there are many other credit cards that provide similar features, make sure to compare your options before applying to ensure that you select the right card for you.

Frequently asked questions

You can find frequently asked questions about Bank Australia credit cards below. Contact us using the form at the bottom of the page if you still have a question about Bank Australia credit cards

• What happens after I apply for a Bank Australia credit card?

  If you complete a quick application, a Bank Australia representative will be in touch to complete your application.

  If you completed a full online application, check your email inbox for a message from Bank Australia about your application. You may need to verify your identity before the application can be fully processed. If this is the case, Bank Australia will provide you with instructions on what to do next.

  If you haven’t been given a response about your credit card application, call Bank Australia on 132 888, 8am - 8pm Monday to Friday.

• How is a customer-owned bank different from a normal bank?

  When a customer-owned bank makes money, the customers benefit from better deals. Bank Australia has actually put a dollar figure on the value it gives its customers. Have a look at their Customer Value Statement for the latest figures.

• How do I access my account online?

  Download and complete an Internet Banking Application Form from the Bank Australia website to view and manage your credit card online. Send the form to Bank Australia by email, fax or in person at a branch. You can also register for internet banking by calling Bank Australia on 132 888.

• How does the interest-free days feature work?

  The "up to" interest-free days feature allows you to make interest-free purchases on your credit card. You need to pay back what you spend at the end of the month to keep getting interest-free days.

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

  Lost or stolen credit cards should be reported to Bank Australia immediately. Contact Bank Australia on 132 888 or +61 3 9854 4666 if you’re overseas.

• Am I protected from credit card fraud?

  Both Visa and Mastercard credit cards are protected against fraudulent transactions. They offer zero liability guarantees that protect you when you’re shopping online or over the counter, including for contactless payments.

Compare other products from Bank Australia

• Bank Australia home loans
• Bank Australia savings accounts
• Bank Australia term deposits
• Bank Australia personal loans
• Bank Australia car loans
• Bank Australia business loans

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 550 Finder guides across topics including:

• Credit cards
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• BNPL
• Money management
• Sustainability