Australian Military Bank Credit Cards

Comparison of Australian Military Bank Credit Cards

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Name	Product	Purchase rate	Interest-free period	Annual fee	Balance transfer rate
Australian Military Bank Low Rate Visa Credit Card		11.99% p.a.	Up to 45 days on purchases	$49	0% p.a. for 12 months	Enjoy a 0% p.a. for 12 month balance transfer offer with no BT fee, up to 45 days interest-free on purchases, add an additional cardholder for $0.	More Info	Compare	loading Fetching your data...

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Types of Australian Military Bank credit cards

• Low rate credit card

The Australian Military Bank Low Rate Visa has an 11.99% p.a. variable interest rate that is competitive with other low rate cards. If you have an existing Australian Military Bank home loan, you could also be eligible for a promotional interest rate of 9.99% p.a. for purchases. This card also has a 0% p.a. balance transfer offer and an annual fee of $49.

The benefits of banking with Australian Military Bank

Some of the benefits you can get with an Australian Military Bank credit card include:

• Balance transfer offer

If you want to pay off existing credit card debt, the Australian Military Bank Low Rate Visa offers 0% p.a. on balance transfers for 12 months. At the end of this period the outstanding balance attracts the card’s purchase rate. In comparison, some other cards revert to a higher cash advance rate.

• Visa benefits

You can use the Australian Military Bank Low Rate credit card to pay in person, online or over the phone with businesses all around the world, anywhere Visa cards are accepted. You also get added protection online through Visa Secure and contactless payments at the checkout, with no need to enter a PIN when you spend less than $100. Plus, access to exclusive deals for shopping, dining, entertainment and travel through Visa Offers + Perks (on the Visa website).

• Banking options

Australian Military Bank offers Internet banking and a mobile app so you can keep track of your accounts whenever you want. You can also visit one of the bank's branches or call 1300 13 23 28 between 8am-6pm (AEST) on weekdays or 9am-12pm Saturdays.

• Additional cards

If you want to get an additional card for a family member, you can do so without paying an additional cardholder fee.

How to apply for an Australian Military Bank credit card

You can apply for an Australian Military Bank credit card online by filling in a secure application form on the bank's website. You can also apply over the phone by calling 1300 13 23 28, or visit a branch to fill in an application. Before you apply, make sure you meet the following eligibility criteria and have all the documents and details you'll need to complete the application.

Eligibility criteria

• Age. You must be at least 18 years of age.
• Australian residency status. You must be an Australian citizen or a permanent resident of Australia.
• Income. You must be currently employed or have a regular income.
• Credit history. You can apply for an Australian Military Bank credit card as long as you have not declared bankruptcy or insolvency – or defaulted on any loans, credit cards, interest free finance or store cards – in the last five years.

Documents and details

• Personal information. This includes your full name, residential address, phone number, date of birth, email address and marital status. You also need to provide ID in the form of your driver’s licence number, Australian Passport or Medicare card number.
• Employment details. As well as your regular income, you need to include details of your occupation, length of employment and your employer's contact details. You also need to provide your most recent payslip to help verify these details.
• Financial information. This covers any other sources of income, as well as savings, other assets and existing debts, loans or other liabilities. You also need to estimate your share of regular household expenses, such as rent or mortgage payments, bills and grocery spending.

If your application is approved, you'll automatically become a member of Australian Military Bank when the account is opened (if you're not already a member). If you have any questions about the application, you can call the bank on 1300 13 23 28 or email [email protected].

Frequently asked questions

• How can I check the status of my application?

  When you complete an application and submit it you receive a reference number. Use this number to find out about the status of your application by visiting a branch or calling 1300 13 23 28. Or, if you're an existing member, you can check your application status by logging in to your Internet banking account.

• What repayment options do I have?

  Details of all your repayment options will be listed on each statement, along with the due date. Ways to make repayments include BPAY, online and mobile banking options.

• Does the Australian Military Bank credit card offer rewards or reward points?

  No, the Australian Military Bank Low Rate Visa credit card is designed to offer value through low-cost features and does not offer rewards. If you're interested in earning rewards for your spending, you can compare rewards credit cards here.

• Does this card offer interest-free days?

  Yes, you can get up to 45 interest-free days on purchases, as long as you pay the card's entire balance (including any balance transfer debt) before the due date on each statement.

• What should I do if my card is lost or stolen?

  If you have the Australian Military Bank mobile app, you can temporarily lock your account or even cancel the card.

  You should also report the lost or stolen card as soon as possible. In Australia, you can do this by calling Australian Military Bank on 1300 13 23 28. Overseas, you can report it to Visa by making a collect call to the following number: +1 303 967 1090. Alternatively, you can visit the Visa website to find a toll free number for the country you're in.

• How do I close my account?

  If you want to close your account or make changes to it, call Australian Military Bank on 1300 13 23 28 or visit a branch. Note that you'll need to settle the account's entire balance before it can be fully closed.