Low Rate Visa Credit Card

 General Lending Rates

• Lending Rate Type: Purchase
• Interest Rate: 11.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Cash Advance
• Interest Rate: 19.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 0.00%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Additional Cards

• 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.

• Digital Banking

• Bill Payment

• Notifications

• Balance Transfers Additional Information: 0.00% p.a.12 months introductory balance transfer rate.

• Card Access

• 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.

• Unlimited Txns Additional Information: Unlimited Visa Transactions

• Digital Wallet

 Product Eligibility

• Min Age - 18.

• Residency Status - Individuals Must Be Permanently Residing In Australia.

• Natural Person

• Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income. Self Employed Clients Should Contact The Bank Prior To Applying.

 Bank Fees and Charges

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

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

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

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

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

• Copies Of Statements (over 12 Months) Per Page (Event), Amount: 5.00.

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

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

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

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

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

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

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

• Stopped Bank Cheque (Transaction), Amount: 15.00.

• 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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

• Foreign Drafts (Transaction), Amount: 20.00.

• Periodical Payment - Insufficient Funds Rejection Fee (Transaction), Amount: 5.00.

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

• Direct Debit Dishonour - Electronic (Transaction), Amount: 10.00.

• Bank Cheque (Event), Amount: 5.00.

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

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

 Limitations & Restrictions (Constraints)

• Min Limit of 2000.00

• Max Limit of 40000.00