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Beyond Bank 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.

Mark Bristow
Mark Bristow

Personal Finance Editor

Content updated

Product data updated

Why choose Beyond Bank


  • Moderately low annual fee
  • 0% balance transfers
  • Moderately high number of interest-free days


  • Small selection of credit cards
  • No rewards or frequent flyer options
  • Only offers Visa credit cards

Beyond Bank Credit Cards

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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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.