Beyond Bank Low Rate Visa Credit Card

Beyond Bank Low Rate Visa Credit Card

3.0

Balance transfer

12 months at 0% p.a.

Purchase rate

11.99% p.a. ongoing

Interest-free days

Up to 62 days on purchases

Annual fee

$49.00 p.a. ongoing

Highlights

  • Consolidate debt from other credit and store cards with no interest for 12 months.
  • Benefit from a low-interest rate on purchases and cash advances.
  • Enjoy a low ongoing annual fee.

Pros and cons

Pros

  • Enjoy an 11.99% p.a. interest rate on purchases.
  • 0% for 12 months or 4.99% for 6 months on balance transfers.
  • Add up to 4 additional cardholders at no extra cost.
  • Get up to 62 days interest-free on purchases.

Cons

  • No rewards program

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
$24,000.00
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
4
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A

Repayments

Interest Charged From
Purchase Date
Interest Free Period
Up to 62 days on purchases
Minimum Repayment Percentage
3%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
12 months
Balance Transfer Fee Percentage
0%

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
80%
Balance Transfer Revert Rate
11.99%

Rates, fees, charges

Cash advances

Cash Advance Rate
11.99% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
11.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$49.00
Dishonour Fee
$6.00
Duplicate Statement Fee
$2.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$25.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

account

Reviewed by Credit Card Compare Staff

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    Money for nothing

    Reviewed by Melissa

    Accessing statements is impossible

    Reviewed by Anon

    One of the best in a land littered with bad

    Reviewed by Monica

    Happy customer

    Reviewed by Paul

    Low fees, great service

    Reviewed by Monica

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    This credit card is listed in these comparisons

    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business