Bruce the dog.

The credit card that has tails wagging.

3 .99 %* p.a. 6 mth intro 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 keeps you in control of your money. For home, Tap&Go contactless payments are ready to go. While 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. six 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.
  • Same low rate for purchases and cash advances.
  • Additional cardholder at no extra cost.
  • Compatible with digital wallets from Apple, Fitbit, Garmin, Google and Samsung.
  • Winner of WeMoney's 'Best Low Rate Credit Card' award two years in a row - 2022 and 2023.
  • Winner of Mozo’s 'Low-Rate Credit Card' award two years in a row - 2021 and 2022.
  • Winner of WeMoney's 2022 'Outstanding Customer Service - Credit Cards' award.

defence-bank-2021-mozo-award_low-rate-credit-card.svg  MECA Badge.svg 

One of Australia’s greatest causes.

Half of the annual $45 card fee is donated to the Defence Bank Foundation - a charity whose sole beneficiary is Defence Community Dogs. This needed and welcomed cause provides specially-trained assistance dogs like Bruce (the handsome face featured on the card) to veterans living with post-traumatic stress disorder (PTSD).

Meet Bruce.

A credit card that gives back.

Australia’s Defence Bank has a strong and proud record of serving and supporting those who protect us. The new Defence Bank Foundation Visa Credit card provides a tangible way for all Australians to give back to the Defence community.

The Community Dogs’ program changes lives through assistance dogs at no cost to veterans. Under the program, rescue dogs are trained in correctional facilities before being presented to veterans - providing a second chance for the dogs, inmates and veterans.

 

*

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

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

Terms and conditions, fees and charges apply and are available upon request.

Approval subject to Defence Bank's lending criteria.

Rates apply to new applications received however are subject to change at anytime.

Defence Bank’s Target Market Determination can be viewed here.

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.

Not a member? Join Defence Bank now.
Compatible with digital wallets across Apple, Google and more.
See what you can save on balance transfers with our credit card calculator.
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Frequently asked questions.

If you are new to Defence Bank:

  1. Head over to the Defence Bank Foundation 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 one-time 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 one-time password or VIP security 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 credit or debit 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.

Not a member? Join Defence Bank now.
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Visit a branch and discuss your finances face-to-face.
Need to talk to someone right away? Call us now.