Compare Beyond Bank Credit Cards Interest Rates & Fees - Best Find

Beyond Bank Credit Cards

Low Rate Visa Credit Card

Beyond Bank's Low Rate Visa Credit Card has a pruchase rate of 0.1249 and a purchase rate of 49 with Up to 62 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 12 months

Balance transfer reverts to 12.49%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee None

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

Additional Benefits

Travel insuranceNo

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

Rates & Fees

Maximum free daysUp to 62

Annual fee$49

Purchase rate12.49%

Promotional purchase rateNone

Late payment fee$0

Over limit fee$0

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)3.00%

Minimum repayment (amount)$20

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$4 or 3%

Overseas cash advance feeTBA


Minimum card limit$1

Maximum limit$80

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

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Beyond Bank Credit Card Comparison

Did you know you can compare 100s of credit cards? Review, view interest rates, calculate fees, apply online and save by visiting our main credit cards comparison page.

Compare and review Beyond Bank credit cards

Save time and compare all the credit cards offered by Beyond Bank in one go! There is no shortage of credit card products to choose from. It all comes to your specific needs and desires.

What credit card options does Beyond Bank offer?

Beyond Bank has 1 credit card product:

  • Beyond Bank Low Rate Visa Credit Card

View the above table for detailed product information and a comparison of the purchase rate, transfer rate, maximum free days and annual fees.

You can also review and compare Beyond Bank personal loansBeyond Bank home loans and Beyond Bank car loans.

How to apply for a Beyond Bank credit card?

If you’d like to apply online for a Beyond Bank credit card, just scroll up and click on “Learn more” to be taken to Beyond Bank’s secure online application form. Before you apply, be sure to learn about Beyond Bank’s credit card products, fees and eligibility criteria. Give yourself around 30 minutes to complete the credit card application.

Beyond Bank’s credit card eligibility criteria

Before you apply for a credit card, be sure to understand and meet the Beyond Bank’s eligibility criteria. Below is high-level overview of Beyond Bank’s criteria:

Beyond Bank’s minimum requirements for a car loan

  • Minimum age of 18
  • Earn the minimum annual income requirement
  • Have a good credit rating
  • You’re an Australian citizen, a permanent Australian resident or a valid work visa holder (457 or other diplomatic visas)

Information you’ll need to provide

Whether at the Beyond Bank branch or online, make sure to have the following details and documents nearby:

  • Employment information: Your annual income and savings account statements. Your current employer’s name, contact name and phone number
  • Liabilities & debts: Your ongoing expenses such as day to day living expenses (think child care, food, transport costs) and any other credit cards you may have.
  • Personal Information: Proof of ID (Driver License or ID card), contact information and address

Are you self-employed?

If you’re self-employed, you will also need to provide:

  • Financial statements for the last year (no older than 18 months)
  • Your most recent personal/business tax return (no older than 18 months)
  • You may need to provide your accountant’s contact details

Other things to keep mind when applying

  • Approval time takes between 0 hours (instantaneous) and 10 business days
  • It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
  • Other credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to your Beyond Bank credit card

There are many additional factors Beyond Bank consider when accessing your application, but the above are the most important. If you feel like you may not meet their eligibility criteria, it may be best to save!

Smart ways you can use your Beyond Bank credit card

Credit Cards are a smart way to buy goods and services, and allow you to cover unexpected expenses as well as build up your financial reputation.

Here are some tips on how to make good use of your Beyond Bank credit card:

  • Always pay your credit card on time
  • Set a credit limit that works for you, not for the bank
  • Regularly check your credit card statement
  • Never contract an additional credit card with another bank to make ends meet
  • Check the terms and conditions very carefully. Yes, read the fine print!
  • If you need to cancel your credit card, ask your bank their process to do so