Bruce the dog.

The credit card that has tails wagging.

3 .99 %* p.a. 6 mth intro rate.
8 .99 % p.a. Ongoing rate.
Bruce the dog.

Up to 55 days interest free on purchases.

Same low rate for purchases and cash advances.

Additional cardholder at no extra cost.

A win for members, veterans and rescue dogs.

One of Australia’s lowest interest rates.

A low-interest rate is just the start to saving you money. A range of other key features keep you in control of your money. For home, Tap&Go contactless payments are ready to go. And when traveling becomes the thing we can do again, or maybe you’re already shopping online, it’s good to know Visa is accepted worldwide, has 24/7 monitoring for suspicious or fraudulent activity, and card controls which let you enable/disable features on-the-spot.

Key features.

  • 3.99% p.a. 6 month introductory rate on balance transfers, purchases and cash advances.*
  • 8.99% p.a. ongoing rate on purchases and cash advances.
  • Up to 55 days interest free on purchases.
  • Additional cardholder at no extra cost.
  • Compatible with digital wallets from Apple, Fitbit, Garmin, Google and Samsung.

A credit card that gives back.

The new Defence Bank Foundation Credit Card provides a tangible way for all Australians to give back to the Defence community. Half of the annual $45 card fee is donated to the Defence Bank Foundation - a charity whose sole beneficiary is Defence Community Dogs.

The Defence Community Dogs’ program provides specially-trained assistance dogs to veterans living with post-traumatic stress disorder (PTSD). Under the program, rescue dogs are trained in correctional facilities before being presented to veterans at no cost - providing a second chance for the dogs, inmates and veterans.


Credit card. 6 mth intro rate. Ongoing rate.
Interest rate. 3.99% p.a. 8.99% p.a.
Annual fee.
(Half the annual fee $22.50 is donated to the Defence Bank Foundation each year the card is held.)
Additional cardholder fee. $0
Late payment fee. $20
Cash advance fee (includes withdrawals, electronic transfers, cheques and Bank@Post). From $4.10
Foreign currency conversion fee (percentage of value of transaction). 3%
Visa cards reported lost or stolen overseas.  
- Emergency overseas Visa replacement fee. US$175
- Emergency overseas Visa cash advance fee. US$175

Other fees may apply so check our credit card fees and charges schedule and read the key facts about our credit cards.


Rates are current as 1 October 2020 and subject to change. Introductory rate is applicable for the first six months and then reverts to the ongoing rate, currently 8.99% p.a. Credit eligibility criteria, terms and conditions, fees and charges apply. 

Offer not available to existing Defence Bank True Blue Credit Card holders.

All products except foreign currency and insurance are issued by Defence Bank. Defence Bank recommends you read the Defence Bank Products and Services - Conditions of Use for any product you choose to take. Any advice contained on this website is general advice only.

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