Find the best card for building credit

We have a range of cards to help you build your credit when you spend and make on-time repayments. You’ll also earn cashback with Visa Offers when you shop for popular brands.

Why get a card with us

  • No Annual Fee
  • Cashback and rewards with Visa Offers 
  • Contactless payments

Our best credit cards for credit building
  • No annual fee and exclusively available to Account customers only

Exclusively available to account customers – Eligibility criteria apply

Representative Example

  • 29.9% APR (variable) representative
  • 29.9% p.a. (variable) purchase rate
  • Based on an assumed credit limit of $1,000

Credit is subject to status, affordability and applicable terms and conditions.

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  • No annual fee and exclusively for existing Student account holder only

Exclusively available to Student account customers – Eligibility criteria apply 

Representative Example

  • 18.9% APR (variable) representative
  • 18.9% p.a. (variable) purchase rate
  • Based on an assumed credit limit of $500

Credit is subject to status, affordability and applicable terms and conditions.

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  • 0% interest on purchases for 3 months from account opening*

Available to all customers –  eligibility criteria apply 

Representative Example

  • 21.9% APR (variable) representative
  • 21.9% p.a. (variable) purchase rate
  • Based on an assumed credit limit of $1,200

Credit is subject to status, affordability and applicable terms and conditions.

Find out more

*At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.

Quick comparison

Card Feature

Classic Credit Card

 Student Credit Card Balance Transfer Credit Card
Maximum Credit Limit $500,000 $20,000 Subject to status

Representative Example

 

29.9% (variable)
Representative APR

 

29.9% pa (variable)
Purchase rate

 

Based on an assumed credit limit of $1,000 

18.9% (variable)
Representative APR

 

18.9% pa (variable)
Purchase rate

 

Based on an assumed credit limit of $500

21.9% (variable)
Representative APR

 

21.9% pa (variable)
Purchase rate

 

Based on an assumed credit limit of $1,200 
Annual Fee $0 $0 $0
Eligibility Criteria
  • have an annual income/pension before tax of $8,500 or more
  • be over 18
  • be an existing Account holder
  • have an annual income/pension before tax of $8,500 or more
  • be over 18
  • hold a Student Classic Account
  • have an annual income/pension before tax of $8,500 or more
  • be over 18

Quick comparison

Card Feature

 Maximum Credit Limit

Classic Credit Card

 $1,000
Student Credit Card $500
Balance Transfer Credit Card Subject to status

Card Feature

Representative Example

 

Classic Credit Card

29.9% (variable)
Representative APR

 

29.9% pa (variable)
Purchase rate

 

Based on an assumed credit limit of $1,000 
Student Credit Card

18.9% (variable)
Representative APR

 

18.9% pa (variable)
Purchase rate

 

Based on an assumed credit limit of $500
Balance Transfer Credit Card

21.9% (variable)
Representative APR

 

21.9% pa (variable)
Purchase rate

 

Based on an assumed credit limit of $1,200 

Card Feature

 Annual Fee

Classic Credit Card

 $0
Student Credit Card $0
Balance Transfer Credit Card $0

Card Feature

 Eligibility Criteria

Classic Credit Card
  • have an annual income/pension before tax of $8,500 or more
  • be over 18
  • be an existing Classic Account holder
Student Credit Card
  • have an annual income/pension before tax of $8,500 or more
  • be over 18
  • hold a Student Classic Account
Balance Transfer Credit Card
  • have an annual income/pension before tax of $8,500 or more
  • be over 18