Beyond Bank Credit Cards

Compare Beyond Bank credit cards by features, rates, and fees to make an informed decision before applying for a credit card.

By   |   Updated 1 Mar 2024

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Comparing Beyond Bank credit cards

Beyond Bank Low Rate Visa Credit Card

On website

Highlights

  • Consolidate debt from other credit and store cards with no interest for 12 months.
  • Benefit from a low-interest rate on purchases and cash advances.
  • Enjoy a low ongoing annual fee.

Pros

  • Enjoy an 11.99% p.a. interest rate on purchases.
  • 0% for 12 months or 4.99% for 6 months on balance transfers.
  • Add up to 4 additional cardholders at no extra cost.
  • Get up to 62 days interest-free on purchases.

Cons

  • No rewards program

Beyond Bank offers a range of credit cards with various features to suit different financial needs and spending habits. From low-rate cards to rewards programs, Beyond Bank credit cards provide options for users to manage their expenses efficiently.

Benefits of Beyond Bank Credit Cards

  • Competitive Interest Rates: Beyond Bank credit cards offer competitive interest rates, making it an attractive option for users looking to save on finance charges.
  • Reward Programs: Some Beyond Bank credit cards come with rewards programs that allow users to earn points on their spending, redeemable for various rewards such as cashback, travel vouchers, or merchandise.
  • Contactless Payment: Beyond Bank credit cards are equipped with contactless payment technology, allowing for quick and convenient transactions at compatible terminals.
  • Safety and Security: Beyond Bank prioritizes the safety and security of its credit card users, implementing measures such as fraud protection and zero liability policies to safeguard against unauthorized transactions.

Types of Beyond Bank Credit Cards

Low Rate Credit Cards

Beyond Bank offers low rate credit cards that are ideal for users looking to save on interest charges. These cards typically feature competitive interest rates and may come with additional perks such as no annual fees or introductory balance transfer offers.

Rewards Credit Cards

Beyond Bank's rewards credit cards allow users to earn points on their everyday spending, which can be redeemed for a variety of rewards such as cashback, travel perks, gift cards, or merchandise. These cards are suitable for users who want to maximize their rewards on everyday purchases.

Platinum and Premium Credit Cards

For users seeking enhanced benefits and exclusive perks, Beyond Bank offers platinum and premium credit card options. These cards may come with features like complimentary travel insurance, concierge services, airport lounge access, and higher earn rates on rewards points.

How to Apply for a Beyond Bank Credit Card

Applying for a Beyond Bank credit card is a straightforward process. You can typically apply online through the Beyond Bank website or visit a branch to speak with a customer service representative. To increase your chances of approval, ensure you meet the eligibility criteria, have the necessary documentation ready, and have a good credit score.

Managing Your Beyond Bank Credit Card

Once you have been approved for a Beyond Bank credit card, it's important to manage it responsibly to avoid unnecessary fees and debt. Keep track of your spending, pay your bills on time, and monitor your statements regularly for any suspicious activity. Beyond Bank also provides online banking services and mobile apps for convenient account management on the go.

Help choosing a Beyond Bank credit card

Discover tailored support in selecting the perfect Beyond Bank credit card that complements your individual financial aspirations and lifestyle.

  • FAQs

How can I qualify for a Beyond Bank credit card?

To qualify for a Beyond Bank credit card, you must meet certain criteria including being at least 18 years old, a resident of Australia, and having a good credit history. Specific income requirements may also apply depending on the credit card you're applying for. It's best to check the specific eligibility requirements for the card you are interested in on Beyond Bank's website or by contacting their customer service.

What are the fees and charges associated with Beyond Bank credit cards?

Beyond Bank credit cards come with various fees and charges, which can include annual fees, late payment fees, cash advance fees, and foreign transaction fees. The exact fees depend on the credit card you choose. To avoid surprises, review the fees and charges detailed in the product disclosure statement (PDS) for the card you're considering.

How do Beyond Bank credit card rewards programs work?

The rewards programs on Beyond Bank credit cards allow you to earn points on eligible purchases, which can be redeemed for various rewards such as merchandise, gift cards, or travel. The rate at which you earn points and the types of rewards available will depend on the specific Beyond Bank credit card you have. Detailed information about how to earn and redeem points can be found on Beyond Bank's website or by contacting their customer service.

Can I apply for a Beyond Bank credit card online?

Yes, you can apply for a Beyond Bank credit card online. Simply visit Beyond Bank's website, choose the credit card that best suits your needs, and click on the apply button. You'll need to provide personal and financial information as part of the application process. You can also apply by visiting a Beyond Bank branch or by calling their customer service.