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BSB 650 000

Our great low rate
Value+ Credit Card

11.99
%
P.A.
Purchase Rate
Apply now

Value+ Credit Card 

We have one simple low rate credit card with great features and benefits that really stacks up against the competitors.37

  • Competitive low interest rate
  • Up to 55 days interest free on purchases
  • Convenience of payWave
  • Security of Visa’s Zero Liability35
  • Worldwide Visa access
  • Up to 3 additional cards at no extra charge

Important information

  • Who can apply?

    Who can apply?

    You can apply for a Value+ Credit Card if you can say yes to the following questions:

    • Are you 18 years of age or over?
    • Do you earn over $20,000 p.a.?
    • Are you a permanent Australian resident?

    If you answered ‘yes’ to all three questions, here is the information we will need from you to complete your application:

    • Your Australian Driver’s licence (if applicable)
    • Employment details
    • Details of your income, assets and liabilities
    • Information about any additional cardholders (if applicable)

    You will also need to provide a copy of your most recent payslip, or if you are self-employed, your financial statements and personal tax returns for the last 2 years. Other evidence of income or additional documentation may be required.

  • How long will my application take?

    How long will my application take?

    The online application should only take 10 – 15 minutes, and we should be able to process your application within 5 working days once we have received your documentation.

    You may also need to provide some identification, by either visiting one of our branches or any Australia Post office by downloading and completing the identification form and providing acceptable identification documents.

  • Value + Credit Card Overview

    Value + Credit Card Overview

    Our Value+ Credit Card combines all the benefits of Visa with a competitive, low interest rate.
    Purchase Rate 11.99%p.a.
    Cash Advance Rate 11.99%p.a.
    Balance Transfer Rate 11.99%p.a.
    Annual Fee $49
    Foreign Currency Conversion Fee 3.00% of foreign currency amount
    Cash Advance Fee Greater of 2.00% or $2.50

    Worldwide Visa access

    Security of Visa's Zero Liability

    Convenience of Visa payWave 

    Convenience of Visa Checkout

    Convenience of Online shopping access

    Compare your credit card benefits

    Our Value+ Credit Card offers great value. Download a copy of our Value+ Key Facts Sheet so you can compare it with other credit cards on the market.

    There may also be other fees and charges payable, so please refer to the Value+ Credit Card fees and charges.

    Please read the Terms and Conditions that contain important information to help you make an informed decision.


 Fees & Charges - PDF 91kb   Key fact sheet - PDF 65kb Terms and Conditions

Excellent interest rate, no frills, no trying to figure out where the charges are.

Review from Mozo.com.au

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Interest rates effective as of 28/09/2021 and are subject to change without prior notice.
37Terms, conditions, fees, charges and credit criteria apply. Before making a decision read the Terms and Conditions and consider if the product is right for you. For more information, view a copy of the Key Facts Sheet
35Visa’s Zero Liability policy generally does not apply to ATM transactions or transactions not processed by Visa (other protections outside the Visa Zero Liability policy may apply, refer to the relevant Terms & Conditions). You must notify us promptly of any unauthorised transactions or card use. Please contact us on 13 19 87 for additional details.
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