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Beyond Bank Australia Credit Cards

Beyond Bank started as a credit union called Community CPS Australia more than 60 years ago.

After a series of big mergers with other credit unions, in 2013 it became a customer-owned (mutual) bank.

Beyond Bank now has more than 215,000 customers and 40-plus branches across South Australia, the ACT, Western Australia and NSW.

Customers have access to 3,000-plus rediATMs.

Beyond Bank has assets worth more than $5.4 billion.

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About Beyond Bank credit cards

Beyond Bank doesn’t have the wide range of credit cards like those offered by the big banks. Instead, it has credit cards aimed at budget-conscious customers.

Here are the Beyond Blue credit card options:

  • Low-rate Visa credit card
  • Balance transfer credit card

The low-rate Visa credit card offered by Beyond Bank has a moderately low annual fee and interest rate on purchases.

Some of the additional benefits of Beyond Banks’s low-rate credit card include:

  • Up to four additional card holders, free of charge
  • Google Pay and Apple Pay
  • Moderately high number of interest-free days on purchases

This low-rate Visa credit card from Beyond Bank also comes with a 0 per cent balance transfer option – although at the end of the balance transfer period, the interest rate reverts to a moderately low one.

Beyond Bank credit card review

Beyond Bank only offers credit cards that would suit a customer looking for a simple, low-cost credit card, not someone who spends a lot and is looking for rewards and perks.

The low-rate Visa from Beyond Bank might suit a pensioner, a university student or a budget-conscious customer. For customers who don’t want an actual credit card, Beyond Bank also offers the option of having a Visa debit card, which can be used as a credit card, but uses your own funds, not credit.

One benefit of the low-cost credit card, which makes it stand out compared to many low-cost credit cards offered by other banks, is that Beyond Bank gives customers a moderately high number of interest-free days on purchases.

The credit limit on the low-rate Visa starts low and can go higher, depending on a customer’s financial position.

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