Prepaid Credit Cards from Australia Post

Information verified correct on August 28th, 2015

The Load&Go Reloadable Visa Prepaid Card

Having a conventional credit card has it’s advantages, but staying in control of the amount of debt you incur can often be tricky. Now there is a great solution available which allows you to have all the benefits of a credit card, without having to worry about all the normal baggage that comes with them.

Have you considered a Debit Card? Check out these offers

Introducing the Load&Go Reloadable Visa Prepaid Credit card!

This clever innovation allows you to use the Load&Go as you would a normal credit card, for example making retail purchases, or booking concert tickets online. The difference is that you top-up the card with whatever you can afford, and it will only allow you to spend what is actually available on the card.

It means the end of having to worry about running up high debts you have no chance of paying, or getting caught out by charges when you accidentally go over your limit. The great thing is, with prepaid credit cards, you are able to do everything you normally would with a normal credit card.

Nowadays most people do their shopping online, which of course without access to a credit card you could not do. Not only that but by using prepaid credit cards to make these online purchases, you do not have to worry about your bank details ending up in the wrong hands. They also provide a very useful way of parents being able to teach their offspring about being responsible with money, without the fear of a massive bill dropping through the mailbox!

Getting hold of one of these prepaid credit cards is made very simple too. All you have to do is to go into any participating Australia Post outlet, buy a starter pack, and once you have followed the steps to activate your card, you could be ready to spend within 24 hours!

Then when you want to top up your card all you need to do is buy a reload card from Australia Post. These are available in the sums of $50, $100, $250, or $500 making keeping track of your spending couldn’t be easier.

With spiraling costs, having one of these cards makes so much sense. It takes away all the worry of debt, rising interest rates, and takes away the temptation to overspend. You can never go over you limit as once the money has gone, you cannot spend any more until you reload.


There are no reloading fees or monthly fees associated with the Load&Go Reloadable Visa Prepaid Card, but there are a number of other charges you should know of.

  • On sign-up, the card purchase price is $6.95, although when applying for this product for the first time a mandatory initial load of $20 is also required, bringing the total initial price to $26.95. After this, the card can be reloaded as often is as needed provided it is over a minimum of $20, and under the maximum balance of $999.
  • When a transaction is made or cash is withdrawn there is a fee of $0.09, and this is capped at $0.99 per calendar month. If the card is lost , cancelled or reissued there is a $15 fee.
  • There’s also a fee of 3% of the transaction for any transactions made outside of Australia.
  • To manage the balance of the card via telephone or SMS there are also fees. This is $4.00 via the call centre, $0.50 via the automated voice recognition service and $0.25 charged per SMS.
  • If a transaction is disputed on this card a fee of $20 is payable if the transaction is found to be authorised.
  • Finally, a new card is issued to cardholders on expiry provided your details are registered with Australia Post. If the card expires and is not registered, a $1 daily fee will be charged until claimed.

A prepaid credit card really is a great way to keep your debts down, whilst still having the freedom to do all those things you couldn’t do without a credit card in your wallet, and the Load&Go Reloadable Visa Prepaid Credit Card is a great example of this.

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36 Responses to Prepaid Credit Cards from Australia Post

  1. Default Gravatar
    Jason | July 1, 2015

    Want to know how long will it take for the renewal card to arrive the money has been taken out for the renewal fee but still haven’t received my new card yet

    • Staff
      Sally | July 2, 2015

      Hi Jason,

      Thanks for your question.

      You should expect to receive your card 7-10 days before the expiry date.

      I hope this has helped.



  2. Default Gravatar
    Melba | May 27, 2015

    how to find out balance on my Loan &Go card?

    • Staff
      Jonathan | May 27, 2015

      Hi Melba, thanks for your inquiry!

      The balance of the Loan & Go card can be checked either by going online, SMS or by phone. Please refer to the link I have sent to your email for checking your balance.



  3. Default Gravatar
    Cooper | May 16, 2015

    Is there a age you have to be to get a card? Thanks!

    • Staff
      Jonathan | May 18, 2015

      Hi Cooper, thanks for your inquiry!

      The minimum age to be eligible for a credit card in Australia is 18 years.



    • Default Gravatar
      | May 18, 2015

      Is it still 18 for a load&go card though

    • Staff
      Jonathan | May 18, 2015

      Hi Cooper, thanks for your response!

      Debit card holders need to be at least 16 years of age, and have an Australian residential address to be eligible for the card.



  4. Default Gravatar
    max | April 30, 2015

    Are the fees in Australian dollars or us dollars?

    • Staff
      Jonathan | April 30, 2015

      Hi Max, thanks for your inquiry!

      The listed fees are in Australian dollars including GST.



  5. Default Gravatar
    sharne | December 2, 2014

    Thanks I am very disappointed with load go they have my address and my email but no one to tell you to have 6.95in your account buy end of card date so they can send you a new card last month I had $300.00 on it this month I had 4.00 so they close my account and took my 4.00 and I have to go and buy a new card .It won’t be load & go

  6. Default Gravatar
    sharne | November 30, 2014

    I have not received a new card and it ends in 1 day my details are up to date I use this card all the time

    • Staff
      Elizabeth | December 1, 2014

      Hi Sharne,

      Thanks for your question.

      You might want to get in touch with the card provider to order a new card, or to find out when your replacement card will be delivered.

      I hope this has helped.



  7. Default Gravatar
    Mich | September 23, 2014

    What do you mean if the card expires and if not registered right away you get to pay $1 everyday? Until you register them or renew your card? What if you don’t want to register it or renew a new one?

    • Staff
      Shirley | September 23, 2014

      Hi Mich,

      Thanks for your question.

      If you have unclaimed funds on an expired card, then $1 per month is charged until there is a zero balance or the funds are claimed.

      Hope this clears things up,

  8. Default Gravatar
    allan | July 31, 2014

    can you use a aussiepost prepaid card on dating sites

    • Staff
      Shirley | August 1, 2014

      Hi Allan,

      You can use your Load&Go card anywhere Visa is accepted. If the dating site accepts Visa, you should be able to use it.


    • Default Gravatar
      | August 1, 2014

      hi shirley,thank you,the card is working fine now.

  9. Default Gravatar
    Solomon | June 15, 2014

    Since I’m 13 can I just bring my student ID , and do I need to go with a parent

    • Staff
      Shirley | June 16, 2014

      Hi Solomon,

      Thanks for your question.

      There’s nothing in the terms and conditions that state an age minimum, so you may be eligible.

      You can try applying for the card online first to see if you’re successful.


  10. Default Gravatar
    Delys | April 16, 2014

    Why will you not prosses my request for my balance when i have put in the right card Number?

    • Staff
      Shirley | April 17, 2014

      Hi Delys,

      Thanks for your question. is a comparison service, so we don’t handle any of the products.

      For all technical and product related enquiries, please contact Australia Post directly.


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