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Visa Credit Card

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Basic

Electronic Wallet Service

Important Rates

Rates

Balance Transfer

Overseas spending

Rewards

Eligibility

  • Free Supplementary Cards

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Easy Street Financial Services

Easy Low Rate Visa Credit Card

Basic
Interest Free Days
Interest Free Days
55
Interest Free Days
44
Interest Free Days
55
Interest Free Days
55
Maximum credit limit
Maximum credit limit
No set max
Maximum credit limit
$30,000
Maximum credit limit
$25,000
Maximum credit limit
$15,000
Minimum credit limit
Minimum credit limit
$500
Minimum credit limit
$6,000
Minimum credit limit
$1,000
Minimum credit limit
$1,000
Minimum repayment dollars
Minimum repayment dollars
$10
Minimum repayment dollars
$30
Minimum repayment dollars
$30
Minimum repayment dollars
$20
Minimum repayment percent
Minimum repayment percent
3
Minimum repayment percent
2
Minimum repayment percent
2.5
Minimum repayment percent
3
Number free supplementary
Number free supplementary
1
Number free supplementary
4
Number free supplementary
4
Number free supplementary
1
Annual Fee
Annual Fee
$45
Annual Fee
$49
Annual Fee
Annual Fee
$40
Late Payment Fee
Late Payment Fee
$15
Late Payment Fee
$10
Late Payment Fee
$30
Late Payment Fee
$25
Over limit fee
Over limit fee
$0
Over limit fee
$40
Over limit fee
$15
Over limit fee
Duplicate statement fee
Duplicate statement fee
$0
Duplicate statement fee
$7
Duplicate statement fee
$10
Duplicate statement fee
Supplementary card annual fee
Supplementary card annual fee
$0
Supplementary card annual fee
$29
Supplementary card annual fee
$0
Supplementary card annual fee
$0
Rates
Purchase Rate
Purchase Rate
11.99%
Purchase Rate
11.99%
Purchase Rate
8.99%
Purchase Rate
8.99%
Cash advance rate
Cash advance rate
13.99%
Cash advance rate
21.69%
Cash advance rate
Cash advance rate
8.99%
Balance Transfer
Balance Transfer Rate
Balance Transfer Rate
Balance Transfer Rate
0%
for 14 months then 21.69%
Balance Transfer Rate
0%
for 12 months then 8.99%
Balance Transfer Rate
Transfer Limit
Transfer Limit
100%
of the chosen credit limit
Transfer Limit
80%
of the chosen credit limit
Transfer Limit
70%
of the chosen credit limit
Transfer Limit
$15,000
max card limit
Balance Transfer Fee
Balance Transfer Fee
$0
Balance Transfer Fee
$0
Balance Transfer Fee
$50
Balance Transfer Fee
$0
Overseas spending
Foreign Exchange Fee
Foreign Exchange Fee
3% on Mastercard
Foreign Exchange Fee
3.3% on Visa
Foreign Exchange Fee
3% on Amex
Foreign Exchange Fee
3% on Visa
Overseas charges
Overseas charges
$5
Overseas charges
$5
Overseas charges
Overseas charges
$5
Estimated ATM Cost
Estimated ATM Cost
Estimated ATM Cost
$14.9
for AU $300 withdrawal
Estimated ATM Cost
Estimated ATM Cost
$14
for AU $300 withdrawal
Rewards
Points Per $1 Spend
Points Per $1 Spend
Points Per $1 Spend
Points Per $1 Spend
Points Per $1 Spend
Eligibility
Minimum income
Minimum income
Minimum income
$35,000
Minimum income
$50,000
Minimum income
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Features

The Police Bank Visa credit card has a low late payment fee and a low annual fee, which is waived in the first year. The card offers moderately low interest rates and a moderate number of interest-free days.

The Police Bank Visa credit card permits an additional card holder (age 16 or older) at no extra cost. This card does not have an associated rewards scheme and does not earn reward points or frequent flyer miles.

The Police Bank Visa credit card offers an introductory deal on balance transfers for customers who wish to transfer existing debt to a new account. The introductory deal gives card holders 12 months with 0 per cent interest on all balance transfers.

This card is eligible for Apple Pay, Samsung Pay and Android Pay.

Pros
  • 0% balance transfer offer
  • Free additional cardholder
  • Apple Pay, Samsung Pay and Android Pay
Cons
  • Charges an annual fee
  • No rewards scheme
  • No complimentary insurance

 

Who is it good for?

The Police Bank Visa credit card might be suitable for budget customers who wish to transfer existing debt to a new account.

This card has an introductory balance transfer deal that offers 0 per cent interest for a full 12 months. After the deal has expired, balance transfers will be charged the card’s standard interest rates. Budget card holders may also benefit from the low annual fee, which is waived in the first year.

This card may not be a good fit for those who want to capitalise on a rewards scheme. The Police Bank Visa credit card does not offer a rewards program, which means that card holders cannot earn reward points, cash back benefits or frequent flyer miles. Rewards-seeking customers should consider a card that offers rewards to suit their preferences.

What RateCity says

The Police Bank Visa card may be a sensible choice for existing Police Bank members who want to take advantage of a balance transfer deal. The Police Bank Visa credit card offers 0 per cent interest for 12 months on balance transfers, which may be particularly beneficial for budget card holders. After the introductory offer has expired, balance transfers are charged the card’s standard interest rates.

The Police Bank Visa credit card offers few benefits to customers who don’t require low rates or a balance transfer deal. Customers cannot earn rewards with this card, nor do they have access to complimentary insurances. Card holders who wish to be compensated for their spending might prefer a card with a rewards scheme, while customers who want a card that eliminates unnecessary fees might prefer a no-annual-fee credit card.

Applying/eligibility

To be eligible for the Police Bank Visa credit card, you must be a member of Police Bank. You must also be at least 18 years old, be an Australian citizen or Australian permanent resident and have a good credit rating. When completing the online application, you will need to provide a form of photo ID, such as a passport. You may also need to submit employment information as well as financial details, such as current assets and liabilities.

About Police Bank

Police Bank is a mutual financial institution that serves the wider police community. Police Bank, then called NSW Police Credit Union, was created in the early 1960s when a group of officers from the Clarence Street Police Station wanted to form an organisation that would benefit all officers. Police Bank began with only 60 members, but has grown to be one of the biggest mutuals in Australia, offering a range of banking solutions including bank accounts, home loans and insurance.

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