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Police Bank Visa Credit Card
Police Bank Visa Credit Card

Police Bank Visa Credit Card

Updated 6 October 2020

Purchase Rate (p.a)

10.76%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

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

$0

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Balance transfer from:

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My interest rate

Pros and cons

  • 10.76% p.a. on purchases
  • Annual fee waived for the first year
  • Low $30 ongoing annual fee
  • Eligible with Apple Pay, Google Pay and Samsung Pay

  • No extra features

Creditcard.com.au review

Editor Review

Police 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 Police Bank Visa Credit Card

Allowing new cardholders to keep costs down, the Police Bank Visa Credit Card is currently offering $0 annual fee for the first year with a low purchase rate and up to 55 days interest free on purchases.

What we love...

While in the first year the annual fee is waived, in the years that follow, you will pay the card’s teeny annual fee.

You can also add an additional cardholder to the account at no extra cost. Whether the card is for your partner, or perhaps one of your kids, this could offer them access to credit, while helping to streamline your family finances.

And interest? As we already pointed out, the purchase rate on this card is low. Mutuals such as Police Bank can often offer lower rates than you would find on a card from a big bank. This could save you money if you carry a balance. On the other hand, if you pay off your balance each month, you could take advantage of up to 55 days interest free on purchases, saving money that way.

What’s not so great...

As a money saver, the Police Bank Visa Credit Card keeps it simple. You will not earn rewards on your card spending, and you will not have access to any extravagant features. While simple works for some folks, we know it doesn’t work for everyone. However, when it comes to paying low interest, simple, low cost options are often a wise choice.

Why should you choose this card?

If you want an award-winner, the Police Bank Visa Credit Card may be for you. This card has been recognised by Canstar, receiving a five star rating for outstanding value. It has also been awarded best ‘Low Rate Credit Card’ and ‘Balance Transfer Credit Card’ by Mozo Experts Choice, and ‘Cheapest Balance Transfer Credit Card’ by Money magazine.

As a basic option, it could be a great choice for cardholders who have no interest in complex features or rewards – and who definitely don’t want to pay for them.

To apply, you must be a permanent Australian resident aged at least 18 years old. You must have a regular income, and you must be able to make your repayments. With this card, you can enjoy worldwide acceptance via the Visa network, while taking advantage of features such as Visa payWave and Verified by Visa, as well as Apple Pay, Samsung Pay and Google Pay compatibility.

Overall Rating

An awesome card with a low purchase rate, the Police Bank Visa Credit Card is currently waiving the low annual fee for the first year.

User reviews

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

79% 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

Credit limits

Minimum credit limt $1,000

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, Google Pay and Samsung Pay

Overview

Police Bank Visa Credit Card

Key features

  • 10.76% p.a. on purchases
  • Up to 55 days interest free period on purchases
  • Annual fee waived for the first year
  • Low $30 ongoing 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)

Graham

Graham

1 July 2020
Hi there Roland....does this Police Bank Visa card include complimentary international travel insurance? Thanks

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