Rates & Fees

Here's a summary of the rates and fees for our Low Rate Visa Card:
 

• Interest rate on purchases: 11.99% p.a. 
• Introductory balance transfer rate: 0.00% p.a. for 12 months
• Interest free days on purchases: up to 45 
• Annual fee: $49 
• Additional card holders fee: $0

Download our Fees and Charges Schedule

_{Terms, conditions, fees, charges and lending criteria apply and are available in branch or on this website. Rates are current at the time of publication and are subject to change.
® Registered to BPAY Pty Ltd ABN 69 079 137 518}

Questions

We’re often asked similar questions about our Low Rate Visa Credit Card so here are our top five. Can’t see your question? Call 1300 13 23 28.

What do I do if my card is lost or stolen?
Let us know if your card becomes lost or stolen straightaway by calling us on 1300 13 23 28. If you’re overseas, you can also call the Visa International Hotline specific to the country you’re in.

What is a cash advance?
If you find yourself short of cash, the Low Rate Visa Card offers a convenient cash advance feature. Cash advances allow you to withdraw cash through an ATM or at a branch with the cash taken from your credit card account rather than from the funds in your bank account. Refer to Rates and Fees for more information about the cash advance interest rate.

What is a credit limit?
Your credit limit is the amount you have been approved to spend on your Low Rate Visa Card. Make sure to monitor your Low Rate Visa Card account balance so you don’t exceed your credit limit and incur any extra charges. You can apply to have your credit limit changed by calling us on 1300 13 23 28.

How does a balance transfer work?
If you already have a credit card (or store card) debt that you’re paying off with another bank you can transfer the outstanding balance to Australian Military Bank and save on interest payments. The offer will run for 12 months (introductory offer), after which point the purchase rate will apply. To get the most out of your balance transfer, try to pay off the old debt before the balance transfer period runs out. 

How do I ensure I'm eligible for up to 45 days interest-free days?
To make the most of the interest -free period, ensure you repay the balance of your Low Rate Visa Card in full each month before the due date. For more information, refer to the Low Rate Visa Card Terms and Conditions.

Rates & Fees

Here's a summary of the rates and fees for the Personal Loan:

• Interest rate: 8.95% p.a. 
• Comparison rate*: 9.85% p.a. 

*Comparison rate based on a $30,000 loan over 5 years unsecured. WARNING: The comparison rate is applicable only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

• Application fee: $150
• Monthly fee: $10

Additional fees, including a personal property security administration fee, may be payable.  For more information please see our Fees and Charges Schedule.

Download our Fees and Charges Schedule

Questions

We get asked a lot of similar questions about our Fixed Rate Personal Loan, here are our most common ones. Call us on 1300 13 23 28 if you have a different question. 

Rates & Fees

Here’s a summary of the rates and fees for the Recruit Salary Saver Account:

Interest Rates:

• Interest rate: 1.05% p.a.
• Interest calculated daily and paid monthly

Monthly Fees:

• Monthly service fee: $0

Everyday Banking Fees:

• BPAY® transactions: Free
• Internet banking transactions: Free
• Mobile banking transactions: Free
• Australian Military Bank ATM transactions: Free
• EFTPOS transactions: Free

Additional fees may be payable. For more information please see our Fees and Charges Schedule.

Download our Fees and Charges Schedule

Rates & Fees

Here’s a summary of the rates and fees for the Military Clubs Account:
 

• Interest rate: 0.01% p.a.
• Interest calculated monthly and paid annually on 31 May
• Monthly account keeping fee: $0

Additional fees may be payable. For information about these fees please see our Fees and Charges Schedule.

Download the Fees and Charges Schedule

Questions

Here are the top 4 questions we get asked about our Military Clubs Account. Call us on 1300 13 23 28 to speak to a consultant if you have a different question.

Rates & Fees

Here’s a summary of the rates and fees for the Access Account:
 

• Interest rate: 0.01% p.a.
• Interest calculated monthly and paid annually on 31 May
• No monthly account keeping fee

Additional fees may be payable. For information about these fees please see our Fees and Charges Schedule.

Download our Fees and Charges Schedule 

Questions

Take a look at our frequently asked questions about the everyday Access Account. Or, call us on 1300 13 23 28 to speak to a consultant if you have a different question.