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Nova Alliance Bank Visa Credit Card
Nova Alliance Bank Visa Credit Card

Nova Alliance Bank Visa Credit Card

Updated 6 October 2020

Purchase Rate (p.a)

6% p.a.

for 6 months. Reverts to 11.99% p.a.

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$45

$0

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Pros and cons

  • 6% p.a. on your purchases for six months
  • Low $45 annual fee
  • Ongoing rate of 11.99% p.a. on purchases and cash advances
  • Eligible with Apple Pay, Google Pay and Samsung Pay

  • No extra features

Creditcard.com.au review

Editor Review

Nova Alliance 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 Nova Alliance Bank Visa Credit Card

As the bank itself describes it, the Nova Alliance Bank Visa Credit Card is a no frills card. It focuses on keeping costs as low as possible, with a low ongoing rate on both purchases and cash advances, a low annual fee and up to 55 days interest free on purchases. New cardholders currently have the opportunity to save even more with its intro offer, providing 6.00% p.a. on purchases for six months.

What we love...

At its heart, the Nova Alliance Bank Visa Credit Card is designed to be a money saver. So, it only makes sense that its intro offer works to save new cardholders on interest on their purchases. With this offer, you will pay 6.00% p.a. on your purchases for six months, helping you save on big ticket items and everyday spending.

In the longer term, the card can continue to help you save on interest with a nice low rate on both purchases and cash advances. If you tend to carry a balance on your card, this could help you keep interest costs low, as you work on paying back what you owe.

Apart from feeling pretty darn amazing, paying off your balance comes with another solid benefit on this card. When you pay your balance in full by the due date each month, you can take advantage of up to 55 days interest free on purchases. This allows you to pay nothing in interest on your day-to-day spending, to keep costs to an absolute minimum.

Also working to help keep costs down is the card’s low annual fee. While it would be nice to have no annual fee to pay, this card has a very reasonable annual fee, especially when you take into consideration its low ongoing purchase rate and interest free feature. If you want to save as you access credit, this could be the card to let you do just that.

What’s not so great...

Unsurprisingly, the Nova Alliance Bank Visa Credit Card doesn’t have any fancy features to speak of. No frills means no features, so if you want extras or the opportunity to earn rewards, you will need to look elsewhere.

Why should you choose this card?

If you think saving money is more important than extras, the Nova Alliance Bank Visa Credit Card is well worth looking in to. Giving you access to the extensive Visa network, it allows you to use your card at millions of locations around the world, while providing you access to handy Visa features such as Verified by Visa and Visa payWave.

Aside from offering access to credit, this card also allows cardholders to be part of something bigger. As an Alliance Bank, Nova Alliance Bank is a social enterprise bank, which means it invests in projects that effect positive social change both at home and overseas. As a member, you will also be part of a mutual, which offers plenty of benefits, including having a say in how your bank is run.

Overall Rating

The Nova Alliance Bank Visa Credit Card is currently offering 6.00% p.a. on purchases for six months, plus an ongoing low rate and low annual fee, with up to 55 days interest free on purchases.

User reviews

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

65% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 11.99% p.a.

Introductory purchase rate 6% p.a. for 6 months

Cash advance rate 11.99% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limt $N/A

Maximum credit limit N/A

Fees & repayments

Annual fee $45 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

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, Google Pay and Samsung Pay

Overview

Nova Alliance Bank Visa Credit Card

Key features

  • 6% p.a. on your purchases for six months
  • Ongoing rate of 11.99% p.a. on purchases and cash advances
  • Up to 55 days interest free on purchases
  • $45 annual fee
  • Eligible with Apple Pay, Google Pay and Samsung 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.

Recently Asked Questions

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

Showing one question (showing the latest 10 Q&As)

Ali

Ali

27 March 2020
i am looking for low rate credit card less than 10% or a redit card with 0 interst on purchase for more than 6 month? i have gemVisa now and i want to transfer my balance to a better credit card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 March 2020
    Hi Ali, GEM Visa is a very high interest card. Its hard to get a purchase and balance transfer offer together right now. Times are really tough and many banks are not taking apps or are struggling to do so. The NAB Low Rate could be a go. Though the standard rate is 13.99%

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