Australian Military Bank is a member-owned bank with a focus on the defence force community. But anyone can become a member. It has one credit card with a low interest rate, low annual fee and balance transfer offer.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Types of credit cards from Australian Military Bank
Low rate credit card
The Australian Military Bank Low Rate Visa has variable interest rate of 11.99% p.a. that is competitive with other low rate cards. This card also has a 0% p.a. balance transfer offer and an annual fee of $49.
Benefits of getting a credit card with Australian Military Bank
Visa benefits
You can use an Australian Military Bank credit card anywhere Visa is accepted. This includes contactless payments in stores, as well as online shopping or phone transactions. You'll also get access to exclusive deals for shopping, dining, entertainment and travel through Visa Offers + Perks (on the Visa website).
Mobile wallets
You can add Australian Military Bank Visa debit and credit cards to any of the following wallets to make payments straight from your mobile phone or device:
Apple Pay
Google Pay
Samsung Pay
Fitbit Pay
Garmin Pay
Security
Australian Military Bank security features include a fraud protection service, 24-hour lost card hotline and added protection online through Visa Secure.
Banking options
Australian Military Bank offers Internet banking and a mobile app so you can keep track of your accounts whenever you want. You can also visit one of the bank's branches or call 1300 13 23 28 between 8am-6pm (AEST) on weekdays or 9am-12pm Saturdays.
Additional cards
If you want to get an additional card for a family member, you can do so without paying an additional cardholder fee.
How to apply
You can apply for an Australian Military Bank credit card online by filling in a secure application form on the bank's website. You can also apply over the phone by calling 1300 13 23 28, or visit a branch to fill in an application. Before you apply, make sure you meet the following eligibility criteria and have all the documents and details you'll need to complete the application.
Eligibility criteria
Age. You must be at least 18 years of age.
Australian residency status. You must be an Australian citizen or a permanent resident of Australia.
Income. You must be currently employed or have a regular income.
Credit history. You can apply for an Australian Military Bank credit card as long as you have not declared bankruptcy or insolvency – or defaulted on any loans, credit cards, interest free finance or store cards – in the last five years.
Documents and details
Personal information. This includes your full name, residential address, phone number, date of birth, email address and marital status. You also need to provide ID in the form of your driver’s licence number, Australian Passport or Medicare card number.
Employment details. As well as your regular income, you need to include details of your occupation, length of employment and your employer's contact details. You also need to provide your most recent payslip to help verify these details.
Financial information. This covers any other sources of income, as well as savings, other assets and existing debts, loans or other liabilities. You also need to estimate your share of regular household expenses, such as rent or mortgage payments, bills and grocery spending.
If your application is approved, you'll automatically become a member of Australian Military Bank when the account is opened (if you're not already a member). If you have any questions about the application, you can call the bank on 1300 13 23 28 or email service@australianmilitarybank.com.au.
Credit card brands similar to Australian Military Bank
If you want a credit card from a member-owned bank or one that's focused on people working in government or law enforcement, here are 3 other credit card providers you could compare with Australian Military Bank:
Details of all your repayment options will be listed on each statement, along with the due date. Ways to make repayments include BPAY, online and mobile banking options.
No, the Australian Military Bank Low Rate Visa credit card does not offer Qantas Points, Velocity Points or other reward points. Instead, it offers low-cost features. But if you're interested in earning rewards for your spending, you can compare rewards credit cards or frequent flyer credit cards.
If you have the Australian Military Bank mobile app, you can temporarily lock your account or even cancel the card.
You should also report the lost or stolen card as soon as possible. In Australia, you can do this by calling Australian Military Bank on 1300 13 23 28. Overseas, you can report it to Visa by making a collect call to the following number: +1 303 967 1090. Alternatively, you can visit the Visa website to find a toll free number for the country you're in.
If you want to close your account or make changes to it, call Australian Military Bank on 1300 13 23 28 or visit a branch. Just keep in mind that you'll need to settle the account's entire balance before it can be fully closed.
Contact details and related links
Contact number: 1300 13 23 28 8am-6pm Mon-Fri, 9am-12pm Sat
Amy Bradney-George is the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 14 years’ experience as a journalist, with a particular focus on personal finance, and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
The Australian Military Bank Low Rate Visa Credit Card offers a 0% promotional balance transfer rate for 12 months, a low annual fee and a low variable interest rate on purchases.
Based on the general eligibility criteria and requirements for an Australian Military Bank credit card, you should be currently employed or receiving a regular income. I’d suggest that you contact the Australian Military Bank directly to confirm if you can apply even though you are receiving the age pension and disability payments.
Meantime, if you’d like to check other banks that accept pensioner applicants, please read the criteria and general information from our page that list credit cards for retired and pensioner applications. You may select the name of the bank so you will find the credit cards they offer.
With Australian Military Bank Low Rate Visa Credit Card, the offer 0% p.a. interest rate on balance transfer will last for 12 months from the time you’re approved for the balance transfer.
There is no actually deadline or time frame so you can take advantage of the balance transfer offer. At any time you wish to apply for the card, you can then request a balance transfer.
Please note that finder.com.au is a comparison service, it would be best to contact Australian Military Bank directly. Please refer to the contact details I have sent to your email.
I am a member of the RSL. Was a serving member for 20+ years including a tour of duty to Vietnam. Am now retired. My wife and I have a pension of $70,000 per year. Are we eligible to apply for a card?
Please note that finder.com.au is a comparison service and is not affiliated with the Australian Military Bank. It would be best to contact them directly to best advise on your options and eligibility for this credit card. Their financial requirements for this card are; having a regular source of income through employment and not having poor creditworthiness.
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as a veteran receiving age pension and Vietnam active service disability payments through DVA do I qualify to apply for this credit card ?
Hi Warren,
Thank you for your inquiry.
Based on the general eligibility criteria and requirements for an Australian Military Bank credit card, you should be currently employed or receiving a regular income. I’d suggest that you contact the Australian Military Bank directly to confirm if you can apply even though you are receiving the age pension and disability payments.
Meantime, if you’d like to check other banks that accept pensioner applicants, please read the criteria and general information from our page that list credit cards for retired and pensioner applications. You may select the name of the bank so you will find the credit cards they offer.
Hope this helps.
Cheers,
May
When does this balance transfer offer end?
Hi HN,
Thanks for your inquiry.
With Australian Military Bank Low Rate Visa Credit Card, the offer 0% p.a. interest rate on balance transfer will last for 12 months from the time you’re approved for the balance transfer.
Cheers,
May
Sorry May
I meant to say – when do I have to submit an application to receive the balance transfer offer of 12 months (Eg end of September)
HN
Hi HN,
Thanks for getting back.
There is no actually deadline or time frame so you can take advantage of the balance transfer offer. At any time you wish to apply for the card, you can then request a balance transfer.
Cheers,
May
I am currently unable to use my Australian Military Bank visa card to make on line purchases, can this be problem rectified please?
Hi Gary, thanks for your inquiry!
Please note that finder.com.au is a comparison service, it would be best to contact Australian Military Bank directly. Please refer to the contact details I have sent to your email.
Cheers,
Jonathan
I am a member of the RSL. Was a serving member for 20+ years including a tour of duty to Vietnam. Am now retired. My wife and I have a pension of $70,000 per year. Are we eligible to apply for a card?
Hi Trevor, thanks for your inquiry!
Please note that finder.com.au is a comparison service and is not affiliated with the Australian Military Bank. It would be best to contact them directly to best advise on your options and eligibility for this credit card. Their financial requirements for this card are; having a regular source of income through employment and not having poor creditworthiness.
I hope this helps.
Cheers,
Jonathan