Beyond Bank

• Balance transfer credit cards: Consolidate debt from non-Beyond Bank credit cards with a 0% p.a. interest rate on balance transfers for the first 12 months, provided you apply within one month of receiving your card, helping you save on interest.
• Low rate credit card: The Beyond Bank Low Rate Visa Credit Card features a 11.99% p.a. interest rate for both purchases and cash advances, significantly lower than the Australian average of around 20% p.a. With a modest annual fee and straightforward features, it’s a strong contender among low-rate cards, ideal for those seeking to minimise interest costs.

• Account management: Access internet banking, mobile banking, or phone banking, including the Beyond Bank app, to check balances, make payments, and manage your account. The AutoPay facility lets you set up automatic minimum or full repayments for convenience.
• B Corp Certification: Beyond Bank’s B Corp status, verified by B Labs, ensures it meets high standards of social and environmental responsibility, giving you confidence in banking with a purpose-driven institution.
• Extended interest-free days: Enjoy up to 62 interest-free days on retail purchases, longer than the typical 44 or 55 days offered by most cards, when you pay your full statement balance by the due date.
• Mobile wallets: Link your card to Apple Pay, Google Pay, or Samsung Pay for fast, secure contactless payments using your smartphone or compatible device.
• Strong security: Benefit from Visa’s Zero Liability Policy against unauthorised transactions, Visa Secure for safe online shopping, and Smart Chip Protection to guard against skimming and counterfeiting.

• Age: Be at least 18 years old.
• Credit history: Have a good credit score, as Beyond Bank will assess your creditworthiness.
• Income: Demonstrate sufficient income to meet repayment obligations, though specific minimums are not publicly detailed.
• Residency: Be an Australian citizen or permanent resident. If you are neither, we have temporary resident credit cards available to compare.

• Check eligibility: Ensure you meet the age, residency, credit, and income criteria, and are prepared to join Beyond Bank as a member.
• Gather details: Your personal details, full name, date of birth, current and previous residential addresses, email, and mobile number, plus a valid ID (e.g., driver’s licence or Australian passport).
• Income and employment: Current work status, employer’s name and contact details, income amount, and possibly supporting documents like payslips or bank statements.
• Apply online: Visit the Beyond Bank website and complete the secure application form, which takes about 10–15 minutes.
• Submit supporting documents: If required, upload additional documents to verify your identity or income, as prompted by Beyond Bank.
• Await approval: Beyond Bank will review your application and notify you of the outcome, typically within a few business days.
• Receive and activate: If approved, your card will be mailed to you with instructions for activation, ready to use with its full range of benefits.

If you would rather a credit card from a member-owned bank, these are some other credit cards you could compare:

• Bank Australia credit cards
• Community First credit cards
• East Street credit cards
• Teachers Mutual Bank credit cards