RBA Cash Rate: 4.35% · 1AUD = 0.73 USD · Inflation: 4.1%  

    Booking    Contact    (02) 8006 8300

  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 5.24% (5.24%*) • Home Loan Fixed: 5.70% (6.06%*) • Fixed: 5.70% (6.06%*) • Variable: 5.24% (5.24%*) • Investment IO: 5.69% (5.72%*) • Investment PI: 5.49% (5.52%*)

  Visa Value

Our most popular card: no mess, no fuss, and no nasty surprises.
Category: Credit and Charge Cards  Last Updated March 2, 2026  Effective April 29, 2026

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 Issuance fee - Applicable when requesting the replacement of an existing card or when ordering a second or any additional 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: 50.00. Additional Information: When a Visa Debit Card is requested to be delivered by express post
  • 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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