Woman patting dog in back on ute on a farm.

Mate’s rates on our True Blue credit card.

3 .99 % p.a. 6 mth intro rate.
11 .74 %* p.a. Ongoing rate.
Woman patting dog in back on ute on a farm.

Special six-month introductory rate.

One low rate for balance transfers, purchases and cash advances.

Up to 55 days interest free.

Award-winning app.

Our True Blue credit card is the fuss-free, low-cost option to enjoy anywhere, anytime banking. Use it for a quick tap ‘n’ go purchase, have it on hand for special buys or when any unexpected items hit.

Key features.

  • Competitive low interest rate.
  • Low annual fee of only $45.
  • Tap and go with Visa payWave.
  • Constant 24/7 fraud protection and monitoring.
  • Secure and convenient Quick Cards.

Enjoy the benefits of low interest rates and a host of added features.

Take control and manage your own card through the award-winning Defence Bank mobile app, including reporting your card lost or stolen, ordering replacement cards and enabling certain types of transactions. And with secure and convenient Quick Cards you receive a new digital card to use while waiting for your replacement card to arrive.

 

Credit card. 6 mth intro rate. Ongoing rate.
Introductory rate. 3.99% p.a. 11.74% p.a.
Fees.  
Annual fee. $45
Visa fees.  
- Cash Advances except [email protected] $4.10
- [email protected] cash advances. $6.10
- Declined transactions (insufficient funds). $1.50

- ATM direct charge.

(The ATM direct charge fee which is levied by the ATM Operator will be displayed on the ATM screen. You will only be charged if you accept the fee and proceed with the transaction.) 

Not ascertainable.
- Foreign currency conversion fee, percentage of value of transaction. 3%
Cheque/direct debit dishonour fees.  
- For each cheque deposited through the [email protected] system and subsequently dishonoured. $21.71
- Direct debit declined due to insufficient funds. $25
- Honouring a direct debit request where authorised credit limit will be/has been exceeded. $25
Cheque fees.  
- Issue of a corporate cheque. $9.10
Transfer fees.  
- Electronic transfer requested at a branch. $6.10
- Electronic transfer requested online. $5.10
- Transfer to accounts within Defence Bank. $4.10
Archive voucher retrieval fee (transaction query requiring archived voucher from bank). $20
BPAY®.  
- BPAY transaction. $0.50
- BPAY view. $0.20
Visa cards reported lost or stolen overseas.  
- Reporting a lost/stolen card to VISA International. $US35
- Emergency overseas visa replacement card fee. $US175
- Emergency overseas visa cash advance fee. $US175
Late payment fee. $20
Notice of Demand (enforcement notice). $20

 

*

Applicable for the first six months which then reverts to the variable credit card rate, currently 11.74%pa.

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.

Next steps for credit card holders.

Complement your credit card with a hardworking savings account.
Get clear oversight on your finances with our useful savings calculator and budget planner.
Not yet a Defence Bank member? Join us for all these benefits and more.
Start our fuss-free online application process to get things going.

Frequently asked questions.

If you are new to Defence Bank:

  1. Head over to the True Blue credit card.
  2. Click on Apply now > Start New Application and follow the prompts.

If you are an existing Defence Bank Member log into Online Banking or use the Mobile App.

Online Banking.

  1. Log into your Defence Bank Online Banking.
  2. From the menu select Apply > Apply For Loan.
  3. Input your TA password or VIP Security Code.
  4. Select Start New Loan and follow the prompts.

Mobile app.

  1. Log in to your Defence Bank mobile app.
  2. From the menu select Apply > Apply For Loan.
  3. Under the menu select Products > Credit Cards where you will be redirected to the Defence Bank Credit Card page on our website.
  4. Select Apply now > Start New Application and follow the prompts.

You can activate your card through Online Banking or the Mobile App.

Mobile app.

  1. Log into your Mobile app.
  2. Under the menu select Manage Accounts > Manage Cards.
  3. Select the card you wish to activate and follow the prompts.

Online Banking.

  1. Log into your Defence Bank Online Banking.
  2. Select Services > Card Management.
  3. Input your TA password or VIP Security Access code.
  4. Select the card you wish to activate and follow the prompts.

Alternatively, you can call our Contact Centre on 1800 033 139 or visit us in-branch to activate your new card.

You can cancel your card through either Online Banking or the Defence Bank mobile app.

Online Banking.

Select Services > Card Management, then select the card you wish to report and follow the prompts.

Mobile app.

Select Manage Accounts > Manage Cards, then select the card you wish to report and follow the prompts.

You can then order a replacement card within the mobile app and be issued with a virtual card which you can add to your digital wallet and use immediately. This removes the stress and inconvenience of having to wait until a physical card arrives in the mail.

Alternatively, you can contact us and we can block your card and arrange a new one for you.

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Let's talk.

Got a question or feedback? Get in touch at any time.
Jump into a Live Chat session to address your queries.
Visit a branch and discuss your finances face-to-face.
Need to talk to someone right away? Call us now.