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

Defence Bank Credit Cards

Low Rate True Blue Credit Card

Defence Bank's Low Rate True Blue Credit Card has a pruchase rate of 0.1174 and a purchase rate of 45 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rate3.99%

Balance transfer period 6 months

Balance transfer reverts to 11.74%

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 55

Annual fee$45

Purchase rate11.74%

Promotional purchase rateNone

Late payment fee$20

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)$4.10

Overseas cash advance feeTBA


Minimum card limit$1

Maximum limit$25

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

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Defence 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 Defence Bank credit cards

Save time and compare all the credit cards offered by Defence 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 Defence Bank offer?

Defence Bank has 1 credit card product:

  • Defence Bank Low Rate True Blue 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 Defence Bank personal loansDefence Bank home loans and Defence Bank car loans.

How to apply for a Defence Bank credit card?

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

Defence Bank’s credit card eligibility criteria

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

Defence 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 Defence 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 Defence Bank credit card

There are many additional factors Defence 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 Defence 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 Defence 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