Low Rate Visa Credit Card
A basic credit card for everyday banking
Category: Credit and Charge Cards Last Updated November 21, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a product. Additional Information
Interest Rate
NA PA
NA PA
Comparison Rate
NAPA*
NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will vary based on the LVR and other conditions..
Product Features
- Card Access
- Additional Cards Additional Information: 1
- Interest Free Additional Information: Up to 44 days interest free on purchases
- Digital Wallet Additional Information: Add your BankVic Visa credit card to a compatible device and pay securely with Apple Pay*TM
- Npp Payid
- Digital Wallet Additional Information: Add your BankVic Visa credit card to a compatible device and pay securely with Google Pay* TM
- Digital Wallet Additional Information: Add your BankVic Visa credit card to a compatible device and pay securely with FitBit Pay* TM
- Digital Wallet Additional Information: Add your BankVic Visa credit card to a compatible device and pay securely with Garmin Pay* TM
- Digital Wallet Additional Information: Add your BankVic Visa credit card to a compatible device and pay securely with Samsung Pay* TM
- Balance Transfers
- Fraud Protection
- Other Additional Information: Minimum repayments : 2.5% of the statement closing balance outstanding, or $20; whichever is greater. If the closing balance is less than $20, it must be paid in full.
Product Eligibility
- Min Age - 18.
- Other Additional Information: BankVic member
Bank Fees and Charges
- Card Replacement Fee (Event), Amount: 10.00. Additional Information: There is a $10 replacement fee for members ordering a replacement card except if it is a faulty card, the card has worn out prematurely or the member is going on holidays at the time of renewal.
- Disputed Card Transaction Fee (Event), Amount: 25.00. Additional Information: Disputed transactions - fee not charged if found to be merchant error
- Late Payment Fee (Event), Amount: 15.00.
- International Transaction Currency Conversion Fee (Withdrawal), Amount: Not Listed.. Additional Information: International transaction currency conversion fee
- Silver Credit Card Annual Fee (Event), Amount: 0.00.
- Emergency Overseas Card Replacement Fee (Upfront), Amount: 175.00.
- Emergency Overseas Cash Fee (Upfront), Amount: 175.00.
Limitations & Restrictions (Constraints)
- Min Limit of 1000.00
- Max Limit of 10000.00
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