If you or a member of your family are part of the police, health, emergency or public service in Victoria, you can apply for a credit card from BankVic and take advantage of special introductory offers and competitive ongoing features. Use this guide to learn more about the different BankVic credit cards available and find out what you'll need to apply for one today.
BankVic credit cards are designed to suit different needs, with features that range from low ongoing interest rates to complimentary perks and frequent flyer points.
The BankVic Low Rate Visa offers a low ongoing variable interest rate for both purchases and cash advances. It also has a $0 p.a. annual fee and up to 44 days interest free on purchases.
The BankVic Qantas Visa is only available to members of the Police Association of Victoria (TPAV) or the Victorian Ambulance Union. It offers Qantas Points on everyday spending, which you can use to redeem rewards such as flights, upgrades and merchandise through the Qantas Frequent Flyer program. It also offers up to 55 days interest-free on purchases when you pay your account balance in full by the due date listed on your current statement and on your previous statement.
BankVic credit cards offer more than cheap access to credit. Some of the benefits that come with using a BankVic credit card include:
Apply and get approved for a BankVic credit card and register your account for internet banking for free. This service from BankVic lets you manage your credit card and make payments from anywhere in the world, at any time of the day. Increase your credit limit, set up regular payments, review your credit card statement and view your monthly statement and more from your desktop or smartphone device. Internet banking does away with the need to visit a brick-and-mortar bank.
You'll pay no ATM fee when you use your BankVic credit card to make a withdrawal at a St.George, Westpac, BankSA or Bank of Melbourne ATM. Note that a cash advance fee will apply when you use your credit card to withdraw money.
Using a BankVic Visa credit card comes with some handy features to make shopping quicker, easier and safer:
Click ‘Go to Site’ and apply online for a BankVic credit card. Credit card applications are handled through the BankVic online application tool: Webloans. Before you start an online application for a BankVic credit card, you will need to become a member of the mutual.
To become a member of BankVic, you must:
The online application for a BankVic credit card should only take ten to fifteen minutes to complete if you have all the necessary information on hand. Make sure you have the following:
After you submit the online application for a BankVic credit card, you should receive an email from the bank about the status of your credit card application within 24 hours, or the next business day. If you haven’t got word back from BankVic about your credit card application, get in touch with a customer representative and quote your application reference number. A credit card is usually issued within five to seven business days following approval for the account. Once you’re approved for a credit card, you become a shareholder of BankVic. You will need to purchase 10 shares. The shares are valued at $1.00 each. The value of the shares can be redeemed when you close the account.
If you want a higher spending limit on your BankVic credit card, apply for a credit limit increase. Apply for an increase by completing a Visa credit card limit increase form, by visiting a branch or by calling BankVic. BankVic will make an assessment on your ability to manage a higher credit limit and review your request based on your financials.
A lost or stolen credit card must be immediately reported to BankVic. If you don’t report a misplaced or stolen card to BankVic and someone uses it against your will, you will be held liable for the transaction. You should also contact BankVic if you find an unauthorised transaction on your account. BankVic and Visa will start an investigation into the authorised use of the credit card and initiate a chargeback if necessary. If you call Visa, you’re issued with an incident reference number. Make a note of this number. You also need to contact BankVic during business hours let them know about your lost or stolen card. BankVic will issue a replacement card.
Rest assured that your BankVic credit card is protected against unauthorised use. ORION is BankVic’s fraud protection system that offers around-the-clock real-time monitoring of your account for unusual transactions. If something is picked up that doesn’t fit your usual spending patterns, BankVic will attempt to contact you right away. If you can’t be contacted, BankVic will temporarily block your credit card. The Visa Zero Liability Policy offers a money back guarantee if you are the victim of credit card fraud while shopping over the Visa payment networks (online, over the counter and payWave).
One month before your credit card expires, you will be issued with a new credit card from BankVic. Your PIN will not change.
Visa payWave lets you make contactless payments at merchants that have a contactless terminal. Hold your credit card against the contactless reader and the transaction is completed in a matter of seconds. There’s no need to enter your PIN for transactions under $100.
Sally McMullen was a creative content producer at Finder. Sally wrote about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong. See full bio
More resources on FinderBankVic Low Rate Visa credit card BankVic Low Rate Visa cardholders can save with a low 8.99% p.a. interest rate for the first 6 months.
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