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CIRCLE Alliance Bank Visa Credit Card

1 review

Purchase rate

14.50% p.a.

Balance transfer

N/A

Annual fee

$60 p.a.
60% Complete (success)

Pros

Card supporting communities

Up to 55 days interest free on purchases

Cons

Annual fee of $60 is relatively high for a low rate card

CIRCLE Alliance Bank Visa Credit Card

Key features

100% of customers who have rated this card would recommend it
  • Rates
    66%
  • Fees
    65%
  • Rewards
    N/A
  • Customer Service
    63%
  • Value
    56%
Overall user rating 50%
1 reviews
Interest Rates
Purchase rate 14.50% p.a.
Cash advance rate 14.50% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Credit limits
Minimum credit limit $500
Maximum credit limit $15,000
Fees & repayments
Annual fee $60 p.a.
Cash advance fee N/A
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, Google Pay and Samsung Pay.

The CIRCLE Alliance Bank Visa Credit Card

As a social enterprise, CIRCLE strives to make a social impact through the provision of banking services. So, with the CIRCLE Alliance Bank Visa Credit Card, you can enjoy access to credit while making change within your community. You can also enjoy a low ongoing purchase rate and annual fee, backed by CIRCLE’s customer support and all the features you’d expect on a Visa.

What we love...

CIRCLE Alliance Bank is a B Corp, which means it believes in using business as a force for good, making social impact through the various banking products it offers. So, the more business you do with CIRCLE, the more CIRCLE can help make a difference to you and the communities you live and work in.

Working as a social enterprise, CIRCLE partners with Good Return to provide micro loans to people living in poverty. It offers $1 for $1 donation-matching for staff fundraising, and provides paid volunteering days for its staff to support local organisations. It also offers free financial education, budgeting and banking services to clients of commUnity+, and helps to prepare local secondary students for job interviews in association with the Ardoch Youth Foundation.

But, it’s not just your community CIRCLE aims to help. As a member-owned bank, it can also help you with lower fees and interest on your credit card. The CIRCLE Alliance Bank Visa Credit Card offers a nice, low interest rate on both purchases and cash advances, with up to 55 days interest free on purchases when you clear your balance by the due date each month.

As a cardholder, you can also keep costs down with a low annual fee, paid monthly throughout the year. And, while it’s fair to say this card keeps features basic, it does provide access to credit with worldwide acceptance via Visa’s global network, as well as digital payment capability, with the ability to sync with Apple Pay, Google Pay and Samsung Pay.

What’s not so great...

As you may have noticed, the CIRCLE Alliance Bank Visa Credit Card is not big on features. You will not earn rewards on your spending with this card, and you won’t have any fancy features to sink your teeth into. This card focuses on the essentials only, so if you want more than the essentials – and don’t mind paying more for them in annual fees and interest – you’ll need to look elsewhere.

Why should you choose this card?

The main reason most people will choose the CIRCLE Alliance Bank Visa Credit Card is for its low cost status. If you carry a balance each month, you could save on interest with the card’s low purchase rate. Or, if you simply want access to credit without heaps of extras, this card could make that happen with a low annual fee.

However, you may also choose the CIRCLE Alliance Bank Visa Credit Card because you want to make social change. Instead of opting for a card from a big bank, you could choose CIRCLE for its status as a B Corp and as a social enterprise, supporting local communities via the partnerships and charities CIRCLE supports.

Overall Rating

A low cost card from a social enterprise bank, the CIRCLE Alliance Bank Visa Credit Card offers a low annual fee and purchase rate, alongside the opportunity to attain social change.

(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
CIRCLE Alliance Bank Visa Credit Card
CIRCLE Alliance Bank Visa Credit Card

CIRCLE Alliance Bank Visa Credit Card

Updated 18 June 2019

Purchase Rate (p.a)

14.50%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$60

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Card supporting communities
  • Up to 55 days interest free on purchases

  • Annual fee of $60 is relatively high for a low rate card

Creditcard.com.au review

Editor Review

The CIRCLE Alliance Bank Visa Credit Card

As a social enterprise, CIRCLE strives to make a social impact through the provision of banking services. So, with the CIRCLE Alliance Bank Visa Credit Card, you can enjoy access to credit while making change within your community. You can also enjoy a low ongoing purchase rate and annual fee, backed by CIRCLE’s customer support and all the features you’d expect on a Visa.

What we love...

CIRCLE Alliance Bank is a B Corp, which means it believes in using business as a force for good, making social impact through the various banking products it offers. So, the more business you do with CIRCLE, the more CIRCLE can help make a difference to you and the communities you live and work in.

Working as a social enterprise, CIRCLE partners with Good Return to provide micro loans to people living in poverty. It offers $1 for $1 donation-matching for staff fundraising, and provides paid volunteering days for its staff to support local organisations. It also offers free financial education, budgeting and banking services to clients of commUnity+, and helps to prepare local secondary students for job interviews in association with the Ardoch Youth Foundation.

But, it’s not just your community CIRCLE aims to help. As a member-owned bank, it can also help you with lower fees and interest on your credit card. The CIRCLE Alliance Bank Visa Credit Card offers a nice, low interest rate on both purchases and cash advances, with up to 55 days interest free on purchases when you clear your balance by the due date each month.

As a cardholder, you can also keep costs down with a low annual fee, paid monthly throughout the year. And, while it’s fair to say this card keeps features basic, it does provide access to credit with worldwide acceptance via Visa’s global network, as well as digital payment capability, with the ability to sync with Apple Pay, Google Pay and Samsung Pay.

What’s not so great...

As you may have noticed, the CIRCLE Alliance Bank Visa Credit Card is not big on features. You will not earn rewards on your spending with this card, and you won’t have any fancy features to sink your teeth into. This card focuses on the essentials only, so if you want more than the essentials – and don’t mind paying more for them in annual fees and interest – you’ll need to look elsewhere.

Why should you choose this card?

The main reason most people will choose the CIRCLE Alliance Bank Visa Credit Card is for its low cost status. If you carry a balance each month, you could save on interest with the card’s low purchase rate. Or, if you simply want access to credit without heaps of extras, this card could make that happen with a low annual fee.

However, you may also choose the CIRCLE Alliance Bank Visa Credit Card because you want to make social change. Instead of opting for a card from a big bank, you could choose CIRCLE for its status as a B Corp and as a social enterprise, supporting local communities via the partnerships and charities CIRCLE supports.

Overall Rating

A low cost card from a social enterprise bank, the CIRCLE Alliance Bank Visa Credit Card offers a low annual fee and purchase rate, alongside the opportunity to attain social change.

User reviews

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

50% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 14.50% p.a.

Cash advance rate 14.50% p.a.

Interest free on purchases up to 55 days

Credit limits

Minimum credit limt $500

Maximum credit limit $15,000

Fees & repayments

Annual fee $60 p.a.

Additional card holder fee N/A

Foreign transaction fee N/A

Minimum repayment

Cash advance fee N/A

Late payment fee N/A

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, Google Pay and Samsung Pay.

Overview

CIRCLE Alliance Bank Visa Credit Card

Key features

      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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      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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