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Border Bank Visa Credit Card
Border Bank Visa Credit Card

Border Bank Visa Credit Card

Updated 26 November 2019

Purchase Rate (p.a)

10.76%

Balance Transfer (p.a)

0% for 12 months No BT fee. reverts to 10.76% p.a.

Annual Fee (p.a)

$0 first year. Then $30 p.a.

$0 over 12 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Low 10.76% p.a. on purchases and cash advances
  • $30 annual fee is waived first year
  • 0% p.a. on balance transfers for 12 months
  • Eligible with Apple Pay, Samsung Pay and Google Pay

  • Nothing really

Creditcard.com.au review

Editor Review

Border Bank Visa Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Border Bank Visa Credit Card

Currently offering 0% p.a. on balance transfers for 12 months, the Border Bank Visa Credit Card offers even more money saving with a low ongoing purchase rate and a low annual fee, which is waived for the first year for new cardholders. While it may keep it simple elsewhere, the card allows you to enjoy being a part of a mutual, while benefiting from extras such as Apple Pay, Samsung Pay and Google Pay compatibility.

What we love...

What’s not to love about saving money? Happily, the Border Bank Visa Credit Card could help you save big, especially if you have a sizable credit card balance that you are trying to pay off. With its current offer of 0% p.a. on balance transfers for 12 months, you could transfer the balance from your existing credit card to pay no interest on that balance for a whole year.

Then, as you are paying less in interest, you can work on paying down more of your balance month to month. If you are not able to pay off your transferred balance before the intro period ends, it will revert to the card’s purchase rate. This makes it a much more appealing option than balance transfer cards that revert to a much higher purchase or cash advance rate. Also, there doesn’t seem to be a balance transfer fee on this card, helping you to save even more.

Even if you don’t have credit card debt you want to pay off, the Border Bank Visa Credit Card is still a lovely little card. It has the same low rate on purchases and cash advances, which could mean it would work well if you carry a balance each month. If you clear your balance however, you can take advantage of up to 55 days interest free on purchases.

Now to the card’s annual fee – and here is where the second part of the card’s introductory offer comes into play. New cardholders will have their annual fee waived for the first year, essentially making the card free to use. This is an awesome extra for anyone taking advantage of the balance transfer offer, but is a nice touch for all. Ongoing, the card’s annual fee is super low.

What’s not so great...

If you’re not looking for the opportunity to save – if, in fact, you’re looking for more from your card and are willing to pay out more for the privilege – the Border Bank Visa Credit Card may not be for you. With its focus on money saving, this card offers only the basics in features, and no opportunity to earn rewards.

Why should you choose this card?

As we have already outlined, the Border Bank Visa Credit Card would work well for cardholders looking to keep costs down. With no annual fee in the first year, and a low annual fee ongoing, the card could be the ideal option for cardholders wanting to save money on a basic card that offers access to credit, without having to worry about complex rewards programs and features.

With the bank’s Reduced Fees Program, you could save even more money if you switch to Border Bank for your other banking products. Rewarding customer loyalty, this program allows you to reduce – or even avoid – transaction fees and charges when you maintain a combined monthly balance of $5,000 or more worth of savings, investments or loans.

And although it is a fairly simple card, you can still expect all the accessibility and security features you would find on any Visa. That means worldwide acceptance, and features such as Visa payWave and Verified by Visa. Tech compatibility is also on offer via Apple Pay, Samsung Pay and Google Pay.

Overall Rating

With no annual fee for the first year and 0% p.a. on balance transfers for 12 months, the Border Bank Visa Credit Card is an excellent money saver, also providing a low ongoing purchase rate and annual fee.

User reviews

Border Bank Visa Credit Card ( based on 1 Creditcard.com.au user review )

57% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 10.76% p.a.

Cash advance rate 10.76% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 12 months

Balance transfer revert rate 10.76% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit N/A

Banks you can't balance transfer from Border Bank

Credit limits

Minimum credit limt $1000

Maximum credit limit N/A

Fees & repayments

Annual fee $30 p.a.

Additional card holder fee N/A

Foreign transaction fee N/A

Minimum repayment

Annual fee the first year $0

Cash advance fee N/A

Late payment fee $10

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Eligible with Apple Pay, Samsung Pay and Google Pay.

Overview

Border Bank Visa Credit Card

Key features

  • Low 10.76% p.a. on purchases and cash advances
  • 0% p.a. on balance transfers for 12 months
  • Pay no annual fee the first year
  • Low ongoing $30 annual fee
  • Eligible with Apple Pay, Samsung Pay and Google Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Resident or Australian Citizen

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

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