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Border Bank Visa Credit Card

1 review

Purchase rate

10.76% p.a.

Balance transfer

0% 12 months
0% Complete (success)
reverts to 10.76% p.a. No BT fee

Annual fee

$0 first year
0% Complete (success)
then $30

Pros

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

Cons

Nothing really

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
100% of customers who have rated this card would recommend it
  • Rates
    89%
  • Fees
    82%
  • Rewards
    N/A
  • Customer Service
    57%
  • Value
    57%
Overall user rating 57%
1 reviews
Interest Rates
Purchase rate 10.76% p.a.
Cash advance rate 10.76% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Balance transfer rate 0% p.a. for 12 months
Balance transfer fee No fee
Balance Transfer revert rate 10.76% p.a.
Balance transfer from personal loan No
Banks you can't balance transfer from Border Bank
Credit limits
Minimum credit limit $1000
Maximum credit limit N/A
Fees & repayments
Annual fee $30 p.a.
Annual fee first year $0
Cash advance fee N/A
Late payment fee $10
Credit card type Visa
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
Extras
Eligible with Apple Pay, Samsung Pay and Google Pay.

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.

(showing the latest 10 Q&As)

  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Permanent Resident or Australian Citizen
  • You have your personal details ready to complete the online application
Border Bank Visa Credit Card
Border Bank Visa Credit Card

Border Bank Visa Credit Card

Updated 18 June 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

  • Nothing really

Creditcard.com.au review

Editor Review

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 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

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover 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

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.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

(showing the latest 10 Q&As)

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