BankVic Visa Silver Credit Card

BankVic Visa Silver Credit Card

My rate: 
My annual fee: 
All banks
Card features
balance transfer
purchase rate
annual fee
Money saved
BankVic Visa Silver Credit Card
No annual fee to pay.
Avaliable credit limits between $1,000 and $10,000.
Visa payWave enabled.
Add to comparison
6 months
6.99% p.a.
then 11.95%
with a 0% fee
6 months
6.99% p.a.
then 11.95%
saved over 6 months
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Pros & cons

What's good?

What's not so good?

At $0 p.a. you really can’t get a better annual fee.
Get 6 months at 6.99% p.a. on balance transfers.
You can transfer up to 100% of credit limit, which is unusually generous. Most banks max out at 95%.
Balance transfers revert to the lower purchase rate as opposed to the higher cash advance rate.
Purchases are charged at 11.95% p.a. This is very competitive.
The 16.95% p.a. cash advance rate is lower than normal, which is a good thing if you use cash advances with any regularity.
The 3.65% foreign exchange fee is substantially lower than what most banks charge.
Longer and cheaper balance transfers are widely available.
You can only add 1 additional cardholders, although the fee for this is $0 p.a.
Up to 44 days on purchases, which is a little shorter than the usual 55 days. Some even offer 62 days interest-free.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

4.7 out of 5.0 based on 1 review100% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

100% satisfied

Reviewed and recommended by Cheryl on 26 Jun 2016

I love being a customer of BankVic having been with them since 1974. I am impressed with the low charges, customer service, and convenience.

I feel very comfortable using my card overseas as BankVic have an amazing fraud detection group, and within minutes of illegal use they are on top of it!

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Rewards program
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Interest free period
Up to 44 days on purchases
Minimum repayment

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers6.99% p.a.6 months0%100% of credit limit11.95% p.a.

Balance transfers to this card

Balance transfer earns rewards
Balance transfer fee payment due
First statement
Balance transfer from personal loan
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
100% of credit limit
Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the BankVic Visa Silver Credit Card at the promotional balance transfer rate from:

    Rates & fees

    Promotional interest rates

    Interest ratePeriodFeeLimitRevert rate
    Balance transfers6.99% p.a.6 months0%100% of credit limit 11.95% p.a.
    Purchases6.99% p.a.6 monthsN/AN/A 11.95% p.a.

    Ongoing interest rates

    Cash advances 1.41% 16.95% p.a.
    Purchases 1.00% 11.95% p.a.


    Annual fee
    $0 p.a.
    Cash advance fee
    Dishonour fee
    Duplicate statement fee
    Foreign exchange fee
    Late payment fee
    Over limit fee
    Overseas ATM balance fee
    Overseas ATM withdrawal fee
    Overseas emergency card replacement fee
    Transaction verification fee

    Minimum criteria for this card

    What you need before applying

    Be over 18 years old
    You are a resident or citizen of Australia
    You have your personal details ready to complete the online application
    Have not applied for multiple credit cards recently
    Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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    People are happy
    Rated 4.8 out of 5 for customer satisfaction.
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