RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

    Booking    Contact    (02) 8006 8300

  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  Visa Value

Our most popular card: no mess, no fuss, and no nasty surprises.
Category: Credit and Charge Cards  Last Updated September 30, 2024  Effective December 22, 2025

General Lending Rates

Rates listed below are for a product. Additional Information
Interest Rate
NA PA
Comparison Rate
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
  • Digital Wallet
  • Digital Wallet
  • Interest Free Additional Information: 55 days interest free
  • Unlimited Txns
  • Digital Banking
  • Balance Transfers
  • Other Additional Information: Free additional card holder
  • Npp Enabled
  • Bill Payment
  • Digital Wallet
  • Digital Wallet
  • Other Additional Information: No annual fee

Product Eligibility

  • Min Age - 18.
  • Residency Status - Must Be An Australian Resident Or Citizen, With An Australian Residential Mailing Address.

Bank Fees and Charges

  • Feecardrep (Event), Amount: 10.00. Additional Information: Card replacement fee - Request replacement card
  • Feecardoseas (Event), Amount: 250.00. Additional Information: Payable when a replacement card is to be sent overseas
  • Feechgback (Event), Amount: 30.00. Additional Information: When you make a request for a chargeback
  • Feecardcour (Event), Amount: 30.00. Additional Information: Courier fee when you ask us to courier a replacement card to you in Australia
  • Feestatdup (Event), Amount: 2.00. Additional Information: $2 per page. Charged when a duplicate statement or interim fee is requested
  • Feeforcon (Transaction), Amount: Not Listed.. Additional Information: Payable on any transaction to your account in a currency other than Australian dollars.
  • Feelatepay (Event), Amount: 20.00. Additional Information: Charged when your repayment is not made by the due date
  • Feevouchret (Event), Amount: 30.00. Additional Information: Payable each time we are asked to provide a copy of a visa card transaction voucher. This fee will not be charged if the voucher retrieval relates to a disputed transaction and the dispute is resolved in your favour

 Limitations & Restrictions (Constraints)

  • Min Limit of 500.00
  • Max Limit of 20000.00

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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