Auswide Bank Credit Cards

Auswide bank

Irrespective of the type of credit card you’ve been looking for, offerings from Auswide Bank require your attention.

Formerly Wide Bay Australia, the formation of Auswide Bank took place in 1979, owing to a merger between the Maryborough Permanent Building Society and the Burnett Permanent Building Society, both of which began operations in the 1960s. With more than five decades of experience, Auswide Bank is the largest building society in Queensland, and the fourth largest in the country.

Headquartered in Queensland, Auswide Bank offers a range of financial services and products to customers throughout Australia, through its growing network of branches, business bankers, and mortgage brokers. As part of its offerings, you have the option to choose between low rate and platinum cards.

Compare Auswide Bank Credit Cards

Rates last updated September 24th, 2016.

Auswide Bank Low Rate MasterCard

Balance transfer and annual fee offer has been extended until 31 January 2017.

January 25th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Auswide Bank Low Rate MasterCard
Low annual fee and get a $0 additional card fee.
12.99% p.a. 0% p.a. for 9 months $49 p.a. More info
Auswide Bank Platinum Rewards MasterCard
Receive up to 55 days interest-free on purchases and earn 1.25 Reward points per $1 spent.
20.24% p.a. 0% p.a. for 14 months $179 p.a. More info
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Types of credit cards that Auswide Bank offers

If you wish to get a credit card through Auswide Bank you can opt for one that rewards spending or for one that does not offer too much in the form of extras, but comes with a low rate and annual fee.

  • Low rate cards

    Low rate cards are popular owing to their typically low interest rates, and they tend to come without the frills you might expect from a platinum or premium card. The Low Rate MasterCard that Auswide Bank offers delivers on this front, and you have to pay a fairly nominal annual fee to keep the account going. This card offers a daily cash advance limit of $1,000, which you can withdraw using an ATM in Australia or overseas. This limit changes to $500 if you use Australia Post outlets. This low rate card also has a special balance transfer offer in place.

Rates last updated September 24th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Auswide Bank Low Rate MasterCard
Low annual fee and get a $0 additional card fee.
12.99% p.a. 0% p.a. for 9 months $49 p.a. More info
Rates last updated September 24th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Newcastle Permanent Value+ Credit Card
Enjoy a competitive annual fee and interest rates on purchases, cash advances, and balance transfers.
11.49% p.a. $49 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Go to site More info

Learn more about Low Rate Credit Cards

  • Platinum credit cards

    While premium cards tend to offer more than platinum cards, platinum cards are ideal for people who don’t want too much. The Auswide Bank Platinum MasterCard gives you the ability to earn reward points when you make purchases. This card comes with a number of complimentary insurance covers, and gives you access to a round-the-clock concierge service. With this card, you can avail of a special balance transfer rate.

Rates last updated September 24th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Auswide Bank Platinum Rewards MasterCard
Receive up to 55 days interest-free on purchases and earn 1.25 Reward points per $1 spent.
20.24% p.a. 0% p.a. for 14 months $179 p.a. More info
Rates last updated September 24th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0 1 $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
0 0 $99 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 70,000 bonus Qantas Points on eligible spend, plus enjoy a 0% p.a. for 6 months offer on balance transfers.
0 1 70,000 bonus points $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year.
0 0 $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
0 1 60,000 bonus points $199 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
0 1.25 $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Also receive a complimentary Virgin Australia domestic economy return flight every year.

1 0 10,000 bonus points $195 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 20 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
0 0 $99 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
1 0 50,000 bonus points $349 p.a. Go to site More info

Learn more about Platinum Credit Cards

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Advantages of getting a Auswide Bank credit card

If you have a Auswide Bank MasterCard with you, you can access your account from just about anywhere in the world, given MasterCard’s global acceptance. Other benefits include the following.

  • Rewards 

    Use your Auswide Bank Platinum MasterCard to make purchases and you can earn 1.25 reward points on every dollar you spend.  You can redeem these points in various ways, from booking travel tickets to buying merchandise.

  • Complimentary insurance covers 

    The Auswide Bank Platinum MasterCard comes with numerous complimentary insurance covers, which include interstate flight inconvenience insurance, transit accident insurance, international travel insurance, extended warranty insurance, purchase cover insurance, and guaranteed pricing scheme. The Low Rate MasterCard comes with complimentary purchase cover insurance and guaranteed pricing scheme.

  • Concierge service 

    Auswide Bank Platinum MasterCard cardholders have access to a multi-lingual concierge service that can help them locate and book restaurants, movie theatres, and concerts in cities around the world.

  • Balance transfers 

    Both Auswide Bank MasterCard come with introductory balance transfer offers. The Low Rate card offers a discounted rate that stays in place for the first 9 months, and the Platinum card offers a 0% p.a. rate that stays in place for 14 months. In both cases, when the offer period ends, any leftover balance starts attracting the card’s cash advance rate.

  • Supplementary cards 

    When you get a Auswide Bank MasterCard you can get up to 4 supplementary cards for free.

  • MasterCard benefits 

    These credit cards come with MasterCard PayPass technology that enables you to make contactless payments for purchases up to $100. The MasterCard Privileges program gives you access to a range of dining, entertainment, travel, and retail experiences. If you lose your card you can expect a replacement within 48 hours. Features like CardProtect, Fraudshield, and MasterCard Zero Liability are in place to offer  peace of mind.

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Applying for a Auswide Bank Credit Card

You can apply for a Auswide Bank credit card by visiting a branch, or you can complete an online application form. To complete your form online, click on the ‘Go to Site’ button next to the card you want to get. Before you begin the application process, make sure you meet the eligibility criteria, which include the following.

Application Criteria

  • You should be a permanent resident of Australia
  • You should be over 18 years old
  • You should not have poor credit rating
  • You should meet minimum income requirements, $25,000 for the Low Rate MasterCard and $35,000 for the Platinum MasterCard.

The application process requires you to part with different types of information, so keep the following details handy when you begin.

  • Personal details - These include your name, phone number, email address, residential address, date of birth, and marital status.
  • Income and assets - You have to declare income from all sources and also make a list of all your assets and savings. These include real estate investments, investments in the stock market, as well as term deposits.
  • Expenditure and liabilities - Here, you’ll have to list out details of existing credit cards and loans, as well as details surrounding everyday and periodical expenses.

What happens after I apply?

After you complete the application a Auswide Bank representative might get in touch with you for more information. The entire process from start to you receiving your card can take up to three weeks. New Auswide Bank customers have to undergo an identity verification process, and this is as stipulated by the Australian government. To do this, you might have to visit a Auswide Bank branch with the required documents.

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Frequently asked questions

Here as answers to frequently asked questions about Auswide Bank credit cards, and if you want to ask a question, use the form at the bottom of the page.

How long does the application process take?

If you have access to all the required information the online application should take around 10 minutes to complete.

How can I check the status of my application?

You can do this online, by calling 1300 135 538 (or +61 2 8225 0620 from overseas), or by visiting a Auswide Bank branch.

What repayment options do I have?

You can visit a branch to make a payment or you can mail in a cheque. You can also make payments via electronic funds transfer using any Australian bank account. All payments should be in Australian dollars.

Does the rewards program attract any fee?

No, you get free membership to the rewards program along with your Auswide Bank Platinum MasterCard.

How do I redeem reward points?

You can redeem your reward points online or over the phone. You can redeem points through the Take Flight ‘Cashback’ program within 30 days of using your card to book a flight, train, cruise, tour bus, and even accommodation. You can also redeem your reward points through Virgin Blue’s ‘Velocity Rewards’ or Singapore Airline’s ‘Krisflyer’ loyalty programs. Other options include redeeming them for merchandise, gift vouchers, or store vouchers.

Do the points expire and is there a cap?

Your reward points don’t expire as long as you keep the account open, and there is a 100,000 points cap.

Do these cards offer interest free days?

Yes, both Auswide Bank credit cards offer up to 55 interest free days. These apply only on purchases.

Is the cash advance rate the same as the purchase rate?

No, both cards have different cash advance and purchase rates, where the former is slightly higher.

What fees do I have to pay?

Both cards attract an annual fee, but you can look forward to an annual fee waiver if you are a Auswide Bank Freedom Package customer. Other fees and charges you might have to pay include over limit fees, late payment fees, cash advance fees, dishonour fees, foreign exchange conversion fees, and information request fees.

What is the credit limit and can I request for a change?

The credit limit of the Low Rate card is in between $2,000 and $15,000, and for the Platinum card this changes to in between $6,000 and $30,000. While you can apply for an increase or decrease in your credit limit, there is no surety of its approval.

What should I do if I lose my card?

Upon realising that you’ve lost your card, report the same immediately by calling 1300 135 538 from within Australia, and +61 2 8225 0620 from overseas.

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Credit Cards Comparison

Rates last updated September 24th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

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