Auswide Bank Credit Cards

Auswide Bank is a financial institution that provides credit cards, home loans, car loans and personal loans, bank accounts, term deposits, superannuation, life insurance, home insurance, car insurance, and travel insurance.

auswide logo“Small things. Big difference.” (Auswide Bank)

Compare Auswide Bank credit cards

If you’re considering an Auswide Bank credit card, then check out what’s available in our comparison table below. This table is based on a monthly spend of $2,000 and is sorted by our star ratings (highest-lowest).

 

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Types of Auswide Bank Australia credit cards

With Auswide Bank, you have 2 different types of cards to choose from:

  1. Auswide Bank Platinum Rewards MasterCard
  2. Auswide Bank Low Rate MasterCard

Auswide Bank Platinum Rewards MasterCard

Auswide Bank Platinum Rewards MasterCard

Features

  • Card type: MasterCard
  • Minimum credit limit: $6,000
  • Minimum income requirements: $35,000/year
  • Online and mobile: Internet banking and mobile banking app available 24/7
  • Contactless: Contactless payments enabled via card chip and smartphone digital wallets
  • Insurance: Complimentary insurance available including purchase cover, international travel insurance, extended warranty insurance, and more
  • Security: Fraudshield detects and advises you if irregular transactions occur
  • Rewards program: Earn 1 reward point for every $1 spent on the card

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Auswide Bank Low Rate MasterCard

Auswide Bank Low Rate MasterCard

Features

  • Card type: MasterCard
  • Minimum credit limit: $2,000
  • Maximum credit limit: $15,000
  • Minimum income requirements: $25,000/year
  • Online and mobile: Internet banking and mobile banking app available 24/7
  • Contactless: Contactless payments enabled via card chip and smartphone digital wallets
  • Insurance: Complimentary purchase cover insurance
  • Security: Fraudshield and MasterCard Zero Liability to protect you from unauthorised transactions

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Eligibility to apply for Auswide Bank credit cards

To apply for any of the Auswide Bank credit cards, you must be able to satisfy the following criteria:

  • You must be over 18 years of age
  • You must be a permanent resident or citizen of Australia
  • You must meet the minimum income criteria for the card of your choice (see above for details)

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How to apply for an Auswide Bank credit card

If you meet the criteria above, then you can apply through the mobile app, online, over the phone on 1300 138 831, or in person at a branch.

Regardless of which method you’re using to apply, you will need to ensure you have the usual documentation needed to apply for a credit card, including:

  • Personal details including driver’s license or other ID
  • Employment details
  • Your existing financial condition including details of income, expenses, assets (things you own), and liabilities (debts including other credit cards, loans, or overdrafts)

The Auswide Bank website states that you should allow as long as 3 weeks for your card to arrive, so plan ahead!

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Auswide Bank credit card FAQs

You will need to activate your card when it arrives, before you begin using it. You can use the mobile app to do this, or you can call the number on the back of the card, or log into Auswide’s online banking and follow the prompts.

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You can use the mobile banking app and internet banking to manage your Auswide Bank credit card. You will be given a User ID and a password once you have completed an application for a credit card, and you can use these to manage your card online 24/7.

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When interest is charged

Interest is charged when you carry a balance on your Auswide Bank credit card. Interest is charged on cash advances from the date of withdrawal and balance transfers from the date of transfer.

When interest is not charged

Each card comes with up to 55 days interest-free. Interest-free days are available only if you pay off your balance in full for 2 consecutive months. If you carry a balance on your credit card from month to month, the 55 day interest-free period does not apply and you are charged interest as soon as you make a purchase.

For more information about interest-free days, check out our article on how they work.

Auswide has very generous amounts on offer in terms of credit limits, and what your limit is depends on the information you provide as well as your credit history. Find out more on how credit limits are determined here.

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Your Auswide Bank account can be closed at any time by calling them on 1300 138 831, or by going into one of its many branches in person. Your card balance will need to be repaid in full even after the card is closed, and you will continue to receive monthly statements until your card balance is fully repaid.

If you are cancelling because you’re experiencing financial hardship, then you can ask to speak with the Auswide hardship Assistance team on the number listed above.

If you’re cancelling your credit card because you aren’t happy with it, then consider checking out what else is on the market by clicking the button below to compare credit cards using the Canstar website:

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Formerly known as Wide Bay Australia, Auswide Bank was founded in 1966 and has been helping Australians achieve their financial goals for more than 50 years at the time of writing.

Auswide Bank began as a building society, but the decision to convert to a bank was made by the board members in 2013. It was later renamed to Auswide Bank after merging with the Queensland Professional Credit Union.

Today, Auswide Bank manages assets in excess of $3 billion.

Stay in touch with Auswide Bank’s doings on social media:

Source: Auswide Bank

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Low Rate MasterCard

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Rating:
Award: Outstanding Value-Low Rate Credit Cards

Written by: William Jolly | Last updated: July 20, 2017