Visa Gold

Our Visa Gold credit card allows you to earn whenever you spend with our Cash Back Rewards program, and also offers international travel insurance protection.



You can enjoy the following benefits:

  • introductory fixed rate of 6.99%pa1 (available for the first six months)
  • ongoing interest rate of 16.95%pa
  • interest free period of up to 55 days on purchases
  • credit limits available between $5,000 and $30,000
  • Visa payWave enabled
  • Cash Back Rewards program3 so you earn whenever you spend
  • international travel insurance for you, your spouse and dependant children.


Features of our Visa Gold credit card include:

  • convenient balance transfer2 – take advantage of our great interest rate and consolidate your cards so that you make only one monthly payment
  • schedule regular payments to other service providers
  • 24-hour access through online and telephone banking
  • safer, more secure online shopping with Verified by Visa
  • balance transfer - two credit cards per Visa credit card account
  • $50 annual fee
  • monitoring of all card transactions for unusual or suspicious activity - even when you're shopping overseas or online.

Rates & fees


Rate paIntroductory rate pa

Rates effective 5 Feb 2009 and subject to change at any time. 
Introductory rate is fixed for first six months and is also available on balance transfers. 

Fees & Charges

Refer to Fees & Charges (PDF) for information on current fees & charges.

Apply now

3 easy ways to apply

Before you apply...

Remember to read the following important documents:

and the General Information, Terms and Conditions (PDF) which contains important information about regular payments on cards and chargebacks, and the Financial Services Guide (PDF) which tells you about us and the services we offer.

More info

Visa credit card limit increase

If you wish to increase the limit of your existing credit card, you should read our Visa credit card Conditions of Use (PDF) and submit your request in one of the following ways:

Visa credit card limit decrease

If you wish to decrease the limit of your existing credit card, you can submit your request in one of the following ways:

Additional cardholder/balance transfer requests

As a credit card holder, you can apply to have an additional card issued to someone else (who must be over the age of 15). Before doing this, make sure that you trust the person to use the card responsibly. Remember that you will be liable for all the transactions that this person carries out. You are always free to cancel an additional card by giving us written notice.

If you wish to have an additional card holder for your Visa credit card, or transfer your other bank or credit union credit card balance to your Visa credit card, you should read our Visa credit card Conditions of Use (PDF).

3 easy ways to apply

Visa credit card cancellation

To cancel your credit card, we ask that you send a written request to us at BankVic, Reply Paid 90210, Melbourne VIC 8060 or email.

Chargeback claim

    If you do not recognise a card transaction, you should report the unauthorised transaction straightaway and seek a chargeback claim by completing a Transaction Dispute form. Call Service & Sales on 13 63 73 option 3 (Monday to Friday, 8am - 7pm | Saturday, 9am - 12noon). If overseas, call +613 9268 9373.

    > Read more about chargebacks here

    Lost, stolen or misused cards

    Has your card or PIN record been lost, stolen or misused? Has your PIN become known to someone else? Is there an unknown/unauthorised transaction on your card account?

    Call Service & Sales now on 13 63 73 option 3 (Monday to Friday, 8am - 7pm | Saturday, 9am - 12noon). If overseas, call +613 9268 9373.

    It is important that you notify us immediately of unauthorised transactions and lost, stolen or misused cards as delays may affect the liability for loss and our ability to claim a chargeback on your behalf. We recommend you read the card’s conditions of use regarding liability and chargebacks.

    Repayment options

    Payments on your credit cards can be made through:

    • online banking or automated telephone banking
    • automatic transfer from your accounts
    • mail (by cheque)
    • any branch
    • direct credit via salary credit or transfer from another financial institution
    • regular payments.

    1Interest rates quoted are current at the time of publication and subject to change. 2Balance transfer option is limited to two credit cards per Visa credit card account. 3Up to a maximum spend of $5,000 per calendar month.
    Fees and Charges apply. Information on terms & conditions, interest rates and fees & charges applying to our products and services is available upon application or request. Before you make any decision to acquire any credit card or insurance product or service you should obtain and consider the relevant Product Disclosure Statement or conditions of use available from any branch of BankVic or by calling 13 63 73. For the period prior to 1 September 2015, BankVic provides Visa Gold Overseas Travel Insurance, Purchase Protection Insurance and Extended Warranty Insurance underwritten by Chubb Insurance Company of Australia Limited ("Chubb") ABN 69 003 710 647 AFSL 239778 whose registered office address is Citigroup Centre, Level 29, 2 Park Street, Sydney NSW 2000. From 1 September 2015, BankVic provides Visa Gold Overseas Travel Insurance underwritten by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. The terms, conditions and exclusions of Visa Gold Overseas Travel Insurance are available from any branch, on our website or by calling 13 63 73 and may be amended from time to time.
    ® Registered to BPAY Pty Ltd ABN 69 079 137 518.

    BSB: 704-230

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    AFSL 240293 Australian Credit Licence 240293
    General Enquiries 13 63 73
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