The Beyond Bank Low Rate Visa credit card offers a low purchase interest rate of 11.99% p.a. and a competitive $49 annual fee. If you have an existing debt to pay off, you can take advantage of no interest on balance transfers for 12 months.
Beyond Bank Low Rate Visa Credit Card
![Beyond Bank Low Rate Visa Credit Card](https://dvh1deh6tagwk.cloudfront.net/credit-cards/images/product/beyond-bank-low-rate-visa-sml.jpg)
- Balance transfer rate for 12 months with no balance transfer fee
- 0% p.a.
- Purchase rate
- 11.99% p.a.
- Annual fee
- $49 p.a.
- Interest-free on purchases
- Up to 62 days
Our verdict
Repay your debt with 0% on balance transfers for 12 months and save on purchases with up to 62 interest free days with the Beyond Bank Low Rate Visa.
Pros
-
0% p.a. for 12 months on balance transfers
-
Up to 62 days interest-free on purchases
-
Free additional cardholders
Cons
-
No rewards program
-
Charges a 3% foreign transaction fee
Details
Product details
Product Name | Beyond Bank Low Rate Visa Credit Card |
Balance transfer rate p.a. | 0% for 12 months, then 11.99% |
Purchase rate p.a. | Purchase rate p.a. 11.99% |
Interest-free period | Up to 62 days on purchases |
Cash advance rate p.a. | 11.99% |
Min credit limit | $1,000 |
Card type | Visa |
Eligibility
Available to temporary residents | No |
Minimum income | $2,000 |
Joint application | No |
Rewards
Bonus points | N/A |
Fees
Annual fee | Annual fee $49 |
Foreign currency conversion fee | Foreign currency conversion fee 3% |
Cash advance fee | $4 |
Additional cardholder fee | $0 |
Number of additional cardholders | 4 |
Your reviews
Sally Finder
Producer
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Sally McMullen Finder
October 30, 2015
Hi Adrian,
Thanks for your question.
Usually as long as you meet the minimum income requirement and the other eligibility criteria, you shouldn’t have an issue applying.
The terms and conditions available on Beyond Bank’s website don’t mention and limits on income through Centrelink, so you may need to get in contact with their customer service team directly to confirm your eligibility.
I’ve emailed you their contact details for your convenience.
I hope this has helped.
Thanks,
Sally
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Adrian
October 30, 2015
Hi, I’m a carer on centrelink payments. Do I meet the banks lending criteria?
I would like to balance transfer my ANZ Visa.
Thank you.