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.
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 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’ve never held a credit card with Defence Bank before, you’re eligible for a lower interest rate for the first six months.
Find out more.

Interest rates may vary depending on when you apply. You can find our current lending rates below.
View lending interest rates.

Our Visa cards expire at the end of the month shown on your card, so a renewal card will be sent in the first week of the month for it to reach you in time. If you haven’t received it by the third week, give us a call and we can make sure your details are up to date and order you a new card if necessary.

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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.
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