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 three years in a row - 2022 to 2024.
  • Winner of WeMoney's 2024 'Excellent Rates & Fees - Credit Cards' award.
  • 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  Winner_2024_Excellent Rates & Fees_Credit Cards.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.
Why Defence Bank? Find out who we are.

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.

Yes, although cash withdrawals from ATMs may attract interest and you may also have to pay a cash advance fee. Click here Defence Bank Foundation Credit Card | Defence Bank for more information.

  1. Login to online banking.
  2. Under the main menu, select Services and tap Card Management.
  3. Select the card you would like to enable.
  4. Tap Card controls and within the ATM withdrawals section, toggle ‘International’ on.
Not a member? Join Defence Bank now.
Our award-winning app gets you banking on the go.
Visit a branch and discuss your finances face-to-face.
Need to talk to someone right away? Call us now.

Participation in the Cuscal’s “Paris for 2” Promotion (“Promotion”) is deemed acceptance of these Terms and Conditions. The promoter is Cuscal Limited (ABN 95 087 822 455) of Level 2, 1 Margaret Street, Sydney NSW 2000 (“Promoter”).

NSW Permit No. TP/02501. ACT Permit No. TP24/00671 SA Permit No. T24/527

1. The Promotion commences on 01 April 2024 and closes at 11:59pm AEST on 24 May 2024 (“Promotional Period”).

2. Entry is only open to Australian residents aged 18 years or over who hold a valid personal Visa card (which includes debit, credit or pre-paid) issued by a Participating Financial Institution.

3. Participating Financial Institutions are as follows:

• Fire Service Credit Union,
• Defence Bank,
• Central Murray Credit Union,
• Woolworths Team Bank,
• Geelong Bank,
• Orange Credit Union,
• Warwick Credit Union,
• Horizon Bank,
• Police Credit Union,
• Heritage People’s Choice,
• Bank WAW,

4. Employees (and their immediate families) of the Promoter, Participating Financial Institutions and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.

5. To receive automatic entry into the draw, eligible individuals must activate their Visa debit card or credit card (if not done so already) and complete at least five (5) transactions of $25 or more using their Visa card, (debit, pre-paid or credit) during the Promotional Period and where the transaction is settled within 5 days (each a “Qualifying Transaction”).

6. Multiple entries permitted. Eligible individuals will receive one (1) entry for every five (5) Qualifying Transactions made during the Promotional Period. For clarity, if an individual makes ten (10) Qualifying Transactions during the Promotional Period, the individual will receive two (2) automatic entries into the draw.

7. Incomplete transactions and transactions that are reversed or cancelled will be ineligible for entry.

8. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process or engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the promotion. Errors and omissions may be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter's legal rights to recover damages or other compensation from such an offender are reserved.

9. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.

10. The draw will take place at Anisimoff Legal, 3 Amy Close, Wyong NSW 2259 on 31 May 2024 at 1:00pm AEST. The Promoter may draw additional reserve entries and record them in order in case an invalid or ineligible entrant is drawn. The winners will be notified by telephone and email within two (2) business days of the draw, and their names will be published online at from 8 June 2024.

11. The Promoter's decision is final and no correspondence will be entered into.

12. The first two (2) valid entries drawn will each win a trip for two (2) adults to the 2024 Olympic Games in Paris valued at up to AU$48,995 each, depending on date and point of departure. Each prize includes:

• Two (2) x return economy airfares from either Sydney, NSW or Melbourne VIC to Paris, France departing 08/08/2024. If the winner resides outside NSW or VIC, the winner will be responsible for travel costs associated with getting to and from NSW or VIC for the departing flight;
• A total of four (4) nights’ accommodation in Paris (min 4 star) including breakfast daily;
• Airport transfers and Paris Metro Card, medical and security support;
• Category B tickets to three (3) Olympic events;
• Return airport to hotel transfers and return hotel to Games transportation;
• Paris Tourist Pass that includes entry to Paris tourist attractions;
• An Olympics Merchandise Pack; and
• AUD$400 Visa Prepaid Debit Card (for the winner only).

13. Additional spending money, meals, taxes (excluding airline and airport taxes), insurance, passports, visas, vaccinations, transport to and from departure point, transfers, items of a personal nature, in-room charges and all other ancillary costs are not included. Prize must be taken to coincide with the Paris 2024 Olympic Games and is subject to booking and flight availability. Travel Dates will be between 08/08/2024 and 12/08/2024. Winners and their companions are responsible for ensuring that they have valid passports, and any requisite visas, vaccinations and travel documentation. Winners and their companions must depart from and return to the same departure point and travel together. Itinerary to be determined by the Promoter in its absolute discretion. Frequent flyer points will not form part of the prize. Prize is subject to the standard terms and conditions of individual prize and service providers. Winners may be required to present their credit card at time of accommodation check in.

14. The 2024 Olympic Games ticket prizes are subject to the event venue and ticket terms and conditions, including any applicable age restriction. The Promoter and event organisers hereby expressly reserve the right to eject any winner (and/or his/her companion/s) for any inappropriate behaviour, including but not limited to intoxication, whilst participating in any element of the prize.

15. Any ancillary costs associated with redeeming a Visa Prepaid Debit Card are not included. Any unused balance of the Visa Prepaid Debit Card will not be awarded as cash. Redemption of the Visa Prepaid Debit Card is subject to any terms and conditions of the issuer including those specified on the Visa Prepaid Debit Card.

16. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize (or an element of the prize) by the time stipulated by the Promoter, then the prize (or that element of the prize) will be forfeited.

17. If a prize (or part of a prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.

18. The total prize pool value is up to AU$97,990. Prizes, or any unused portion of a prize, is not transferable or exchangeable and cannot be taken as cash, unless otherwise specified.

19. If for any reason the prize remains unclaimed by 8am AEST on 13 June 2024, the prize will be forfeited and a re-draw will take place at the same place as the original draw, subject to any directions from a regulatory authority. The winner (if one is required) will be notified by telephone within two (2) business days of the re-draw and in writing, and their name will be published online at on 17 June 2024. If the unclaimed prize draw winner does not take their prize by the time specified by the Promoter, then the prize will be forfeited.

20. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.

21. If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the promotion, as appropriate.

22. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

23. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) if the Paris 2024 Olympic Games or event is delayed, postponed or cancelled for any reason beyond the reasonable control of the Promoter; (f) any tax liability incurred by a winner or entrant; or (g) use of a prize / taking of a prize / participation in a prize.

24. The use of any automated software or any other mechanical or electronic means that allows an entrant to automatically enter repeatedly is prohibited and will render all entries submitted by that entrant invalid.

25. The Promoter collects personal information ("PI") in order to conduct the promotion and may, for this purpose, disclose such PI to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this PI. The Promoter will also use and handle PI as set out in its Privacy Policy, which can be viewed at In addition to any use that may be outlined in the Promoter’s Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the PI for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their PI, how entrants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. The Promoter will not disclose PI to any entity outside of Australia.

26. As a condition of accepting a prize, the winner must sign any legal documentation as and in the form required by the Promoter and/or prize suppliers in their absolute discretion, including but not limited to a legal release and indemnity form.

27. If any of these clauses should be determined to be illegal, invalid, or otherwise unenforceable then it shall be severed and deleted from these Terms and Conditions and the remaining clauses shall survive and remain in full force and effect.

28. These Terms and Conditions (and any non-contractual disputes/claims which arise out of or in connection with them) will be governed by the relevant local courts who shall have exclusive jurisdiction over any and all disputes arising out of, relating to or concerning these Terms and Conditions.