Beyond Bank Credit Cards

Beyond Bank is one of Australia's largest customer-owned banks and has been operating for over 60 years. It's also one of the only banks in Australia with B Corp certification that shows it puts people and the planet before profits. Beyond Bank offers one credit card, with features including a low rate for purchases, interest free days and mobile payments.

Compare Beyond Bank credit cards

Name	Purchase rate p.a.	Annual fee	Balance transfer rate p.a.	Amount Saved
Beyond Bank Low Rate Visa Credit Card	Purchase rate p.a. 11.99%	Annual fee $59	Balance transfer rate p.a. 0% for 12 months with 0% balance transfer fee, then 11.99%	Amount saved $868.32 over 12 months	More Info Compare	Receive up to 62 days interest-free on purchases, 0% balance transfer offer and up to 4 additional cardholders at no extra cost.

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Types of credit card from Beyond Bank

• Low rate credit card

The Beyond Bank Low Rate Visa Credit Card has a 11.99% p.a. interest rate for purchases and cash advances. This is competitive with other low rate credit cards and much lower than the average standard credit card interest rate in Australia, which is around 20%. It also has a relatively low annual fee and other simple features.

The benefits of getting a Beyond Bank credit card

• Certified B Corp

Beyond Bank is one of the few banks in Australia to have B Corp certification. This independent certification is managed by B Labs and shows that the bank meets high, verified standards of social and environmental performance, accountability and transparency.

• Balance transfers

If you want to pay off an existing card with another bank, the Beyond Bank Low Rate Visa Credit Card currently offers 0% p.a. interest on balance transfers for the first 12 months. To get this interest-free period, you'll need to apply for the balance transfer within one month of receiving your card.

• Interest free days on purchases

Beyond Bank's credit card offers up to 62 interest free days on retail purchases. In comparison, most other cards offer up to 44 or 55 days interest-free. Keep in mind you'll need to pay the total amount listed on each statement to make use of interest free days.

• Mobile wallets

You can link your Beyond Bank credit card with Apple Pay, Google Pay or Samsung Pay to make payments straight from you mobile phone or device.

• Account management features

Beyond Bank offers internet, mobile and phone banking, including its own app. It also offers an AutoPay facility if you want to set up automatic, monthly repayments for the minimum amount or the total owed on your credit card.

• Security

Beyond Bank credit cards give you access to Visa's Zero Liability Policy to protect you from unauthorised transactions. It also offers Visa Secure for online shopping and Smart Chip Protection to protect your account from card skimming, counterfeiting and other fraudulent activity.

How to apply for a Beyond Bank credit card

Beyond Bank has a simple, secure online application for credit cards. Before you apply, make sure you meet the 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 a permanent resident of Australia or an Australian citizen.

Documents and details

• Personal information. This includes your full name, date of birth, residential addresses, email address and mobile phone number. You'll also need a valid form of ID, such as your driver's licence or Australian passport.
• Income and employment details. You'll be asked about your current work status, your employer's name and contact details and how much you earn. You may also be asked to provide recent payslips, bank statements or other supporting documents related to your income.
• Other financial details. This includes details of any savings, property or other assets you have, as well as any debts, such as other credit cards and loans. You also need to provide details of your regular expenses, such as rent, mortgage payments, bills and groceries.

What happens after applying?

Beyond Bank will contact you if more information is required. If you're approved, you'll typically get your new credit card within 5-10 business days.

Frequently asked questions

• What is the credit limit on a Beyond Bank credit card?

  Beyond Bank offers credit card limits from $1,000 and gives you the option of requesting a specific credit limit when you apply. Just keep in mind that your credit limit is subject to lending criteria and assessment.

• Do Beyond Bank credit cards have any kind of a rewards program?

  Beyond Bank low rate credit cards don’t currently offer any rewards program.

• What happens if I lose my card?

  Call Beyond Bank’s phone banking service as soon as you realise you’ve lost your card. They will block your card immediately and makes suitable arrangements to send you a replacement. You’ll have to pay a fee to replace a lost, stolen or damaged Beyond Bank credit card.

• When did Nexus Mutual merge with Beyond Bank?

  The merger between Nexus Mutual and Beyond Bank was formalised on 1 March 2020 and completed on 7 June 2020, when Nexus Mutual member accounts were transferred over to Beyond Bank's systems. Before the merger, Nexus Mutual members voted on this option at a meeting on 17 February 2020, with 93.4% voting to merge.

  If you were a Nexus Mutual member, you can contact Beyond Bank on 13 25 85.

Credit card brands similar to Beyond Bank

If you want a credit card from a member-owned bank or one that's focused on sustainability, here are 3 others you can compare with Beyond Bank:

• Bank Australia credit cards
• Community First credit cards
• Teachers Mutual Bank credit cards

Important details and related links

• Beyond Bank customer service phone number: 13 25 85
• Beyond Bank Flexi Personal Loan
• Beyond Bank savings and bank accounts

Compare other products from Beyond Bank

• Beyond Bank home loans
• Beyond Bank savings accounts
• Beyond Bank personal loans
• Beyond Bank car loans
• Beyond Bank car insurance

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

Amy's expertise

Amy has written 565 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability