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 fraudulant activity, and card controls which let you enable/disable features on-the-spot.

Key features.

  • 3.99% p.a. 6 month introductory rate.*
  • 8.99% p.a. ongoing rate.
  • 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.
  • Available to all Australians.

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).

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.

 

Credit card. 6 mth intro rate. Ongoing rate.
Interest rate. 3.99% p.a. 8.99% 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. $14.47
- 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. $4.10
Transfer fees.  
- Electronic transfer requested at a branch. $6.10
- Electronic transfer requested online. $5.10
- Transfer to accounts within Defence Bank. $4.10
BPAY®.  
- BPAY transaction. $4.10
Visa cards reported lost or stolen overseas.  
- Emergency overseas Visa replacement card fee. $US175
- Emergency overseas Visa cash advance fee. $US175
Late payment fee. $20
Notice of Demand (enforcement notice). $20
Outbound Foreign Currency International
Telegraphic Transfer.
 
- When requested at a branch. $30
- When requested via online banking or the mobile app. $20

 

*

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 variable credit card 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.

Next steps...

Not yet a member? Join us for all these benefits and more.
Start our fuss-free online application process to get things going.
Calculate how much you can save on credit card repayments.
Compatible with digital wallet across Apple, Google and more.

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 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.