Border Bank Visa Credit Card

Border Bank Visa Credit Card

Highlights

  • Enjoy a low ongoing rate of 10.76% p.a. on purchases.
  • $0 annual fee on the first year (reverts to $30 thereafter).
  • Compatible with Apple Pay, Samsung Pay, and Google Pay.

Pros and cons

Pros

  • Low ongoing interest rate.
  • $0 annual fee on the first year.
  • Get up to 55 days interest-free period on purchases.

Cons

  • There is no rewards program on this card.

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    The basics

    • Additional cardholders. This card does not support additional cardholders.
    • Digital wallets. This card is compatible with Apple Pay, Google Pay, and Samsung Pay.
    • Gambling transactions. Border Bank has disabled all gambling-related transactions.

    Rewards and benefits

    • Complimentary travel insurance. Border Bank Visa Credit Card does not provide complimentary international travel insurance.
    • Concierge services. The Border Bank Visa Credit Card does not come with a concierge service.
    • Insurances. This card has fraud protection and comes with a range of features to help save money.
    • Rewards points. This credit card does not have a rewards program.
    • Sign up bonus. There is no sign up bonus for this card at this time.

    Rates and fees

    • Annual fee. No annual fee for the first year and an ongoing fee of $30 p.a. thereafter.
    • Balance transfers. 10.76% p.a. balance transfer rate with no balance transfer fee. Balance transfers can use up to 95% of the available limit.
    • Cash advances. Transactions classified as cash advances with the Border Bank Visa Credit Card will attract an interest rate of 21.99% p.a., which will be charged immediately. All cash advances made with this card will incur a one-off fee. Overseas cash advances are at 3.8%.
    • Foreign exchange fee. 3% of transaction value charged as a currency conversion fee for purchases made online or while travelling overseas in a foreign currency.
    • Interest-free period. With the Border Bank Visa Credit Card, you can get up to 55 days interest-free on purchases (excluding cash advances) when you have paid off your previous balance or made the required minimum payments.
    • Purchases. The Border Bank Visa Credit Card offers no introductory offer on purchases. Purchases made with this card will attract interest at 10.76% p.a., much lower than average.

    Nilooka Dissanayake

    Reviewed by Nilooka Dissanayake

    Writer

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