Bank Australia (formerly known as bankmecu) is a customer-owned bank with over 160,000 members. It prides itself on not lending money to industries that do harm, including fossil fuels and live animal export. Instead, it lends money to individuals, housing for people with disability, non-profits, renewable energy and more.
Bank Australia offers an array of financial products and services, including everyday banking accounts, savings accounts, term deposits, home loans, personal loans, insurance solutions and credit cards.
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The Bank Australia Visa Credit Card was highly commended for Best No Annual Fee Credit Card in the 2025 Finder Awards.
Full list of 2025 winnersBank Australia's range of credit cards are designed to suit different spending habits and needs. The cards you can choose from include:
The Bank Australia low rate credit card offers a low ongoing variable purchase rate of 12.99% p.a. This card attracts a nominal annual fee of $59 and gives you access to funds around the world, anywhere Visa is accepted.
The Bank Australia Visa Credit Card charges a $0 annual fee and a competitive standard variable purchase rate of 19.74% p.a. It also offers up to 55 interest-free days on purchases when you pay your balance in full by the due date on each statement.
The Bank Australia Platinum Rewards Visa Credit Card earns 0.75 Qantas Point per $1 spent on eligible purchases and 1 point per $1 spent on selected Qantas products and services in Australia. It also offers platinum perks including complimentary overseas travel insurance. This card attracts an annual fee of $189.
Banking with Bank Australia comes with a number of benefits, and here’s what you can look forward to as a Bank Australia member:
Bank Australia is 100% owned by customers. This means the bank can put profits back into providing better rates and lower fees for members.
Bank Australia members who reside in New South Wales, Victoria, Queensland, South Australia, and ACT can get in touch with a Bank Australia representative over the phone at any time of the day or night.
In keeping up with changing times, Bank Australia gives you access your account information over the internet, through its online and mobile banking platforms. You can turn online to change personal details, view transaction history, and make payments.
When you bank with Bank Australia, you know that you’re part of an initiative aimed at giving back to society. It has a Conservation Reserve designed to help protect endangered species and offset the bank's environmental impact. It also invests a portion of profits in projects that address social issues through the Bank Australia Impact Fund.
You can now use your smartphone or compatible device to make contactless payments at the terminal when you link your Bank Australia credit card to Apple Pay, Samsung Pay or Google Pay.
You can apply for a Bank Australia credit card online or by visiting any Bank Australia service centre. Before you apply, make sure you meet the eligibility requirements and have all the required documents and information on hand.
If you wish to apply online, ensure first that you meet the following eligibility criteria:
To complete the application, prepare to provide the following information:
Bank Australia credit cards offer a variety of competitive features that allow you to cut down on credit costs or take advantage of rewards and platinum perks. As there are many other credit cards that provide similar features, make sure to compare your options before applying to ensure that you select the right card for you.
You can find frequently asked questions about Bank Australia credit cards below. Contact us using the form at the bottom of the page if you still have a question about Bank Australia credit cards
The Bank Australia Platinum Rewards Visa credit card rewards you with Qantas Points as you spend and up to 55 interest-free days on purchases.
Pay no annual fee and enjoy up to 55 interest-free days with the Bank Australia Visa credit card.
The Bank Australia Low Rate Visa credit card offers a low interest rate on both purchases and cash advances.
Hi How can i apply this credit card, advice me with details.
Hi Mukesh, As the guide notes, you can apply for a Bank Australia credit card online or by visiting any Bank Australia service centre. You might want to compare other credit card options to make sure you’re getting something that matches your needs.
What ATM can I use and how many of them
You can use ANZ, CommBank, NAB or Westpac ATMs without an ATM fee – but note that if you withdraw cash from a credit card, other fees will apply.
I am a pensioner and i am looking for a credit card with a minimum credit of 2000 just in case an unexpected bill comes in just to give me peace of mined
Hi Sydney,
If you want to apply for a Bank Australia credit card, you can do so through the bank’s website or a branch. Finder also has a guide on credit cards for pensioners that includes a comparison table and insights on applying for a card. I hope this helps.
I am travelling overseas. What is the best credit card to take?
Hi Terry,
You can use Finder’s guide to compare credit cards for travel with features including 0% foreign transaction fees, complimentary travel insurance and travel rewards. I hope that helps.
Every lender from Latitude to Commonwealth Bank has declined me for a credit card. Do you know if this is always the case for a poor credit rating and what can I do to make them see past it?
Hi John,
Thank you for getting in touch with Finder.
Sorry to hear about your declined application.
Yes, credit card providers check the applicant’s creditworthiness via a credit report. You may learn more about the other reasons for rejected credit card applications. I suggest that you build your credit score first before applying for a credit card. In the meantime, you may check the other products available for bad credit.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni