Credit card.

View the credit card product page.

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.

Yes. You can apply for a credit card with Defence Bank to pay out an existing credit card with another financial institution. This could allow you to better manage your repayments with a lower interest rate.

If you would like to talk to us about transferring your credit card balance simply visit one of our branches or call us on 1800 033 139.

No, unlike many other banks that may charge a percentage of between 1-3% of the balance transferred, Defence Bank does not impose a fee for Balance Transfers.

An additional cardholder will first need to be made a signatory on your credit card account, once this is done they can be issued with a credit card linked to your credit card account.

Drop into your local branch or call us on 1800 033 139 to get the process underway.

No, there are no fees for an additional cardholder.

To increase your credit card limit, we will need you to complete a new application so that we can obtain some up-to-date information from you. You can log into Online Banking or use the Mobile App to lodge your application.

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.

Tip: When applying for an increase to your limit, during the application make sure you select the total amount of your new card, not the amount you would like it to be increased by.

You are able to request a reduction or cancellation of your credit card limit through either Online Banking or the Defence Bank mobile app. You can also visit us in-branch and we’d be happy to help.

Online Banking.

  1. Select Services > Card Management.
  2. Input your TA password or VIP Security Code.
  3. Select Reduce Limit or Close Credit Card next to the relevant credit card and follow the prompts.

Mobile app.

  1. Under the main menu select Manage Accounts > Manage Cards.
  2. Click on the credit card you wish to reduce or cancel the limit on.
  3. Select Reduce credit limit or Cancel card as required and follow the prompts.

If you don’t recognise a transaction on your account, use our “Look Who’s Charging” feature.

  1. If you are in the mobile app simply tap the transaction you need further information about.
  2. If you are in Online Banking click on the red ellipsis (ie. '…').
  3. Look Who’s Charging will display extended transaction information including the exact address, trading or business name (which can be different to the merchant name), merchant contact details and for some transactions a map showing the location.

If you are still unsure the transaction, call us on 1800 033 139, visit your local branch or send an email to [email protected] for further assistance.

Warning: Please DO NOT send sensitive information such as login details and passwords over email.

If your card expires 09/20 this means that it will expire at the end of September, with a new card automatically sent to you midway through that month. You don’t need to do anything other than making sure that your postal address listed with Defence Bank is correct.

Your virtual card in your digital wallet card will automatically refresh with your new card details however if this does not happen please call us on 1800 033 139.

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.

If you need to remove access by an additional cardholder please visit us in-branch or contact us on 1800 033 139 for assistance.

This is easy. You can now update your PIN without knowing your old PIN through Online Banking or your mobile app.

Online Banking.

  1. Log into your Online Banking portal.
  2. Select Services > Card Management.
  3. Enter your TA password.
  4. Select the card you wish to change PIN and click Change PIN and foloow the prompts.

Mobile app.

  1. Log in to your mobile app.
  2. Under the menu, select Manage Accounts > Manage Cards.
  3. Select the card you would like to update and click Change PIN and follow the prompts.

A credit card cash advance is when you withdraw funds from your credit card account. This may be via ATM, across the counter in Branch or transferring funds using Online Banking or the mobile app. Transactions like bill payments at Australia Post Office outlets may also be processed as cash advances.

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

View lending interest rates.

Interest starts to accrue from the date of the cash advance and will be charged to your account at the end of the month.

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.

Absolutely, your Visa debit and Credit cards can be used with Apple, Fitbit, Garmin, Google and Samsung Pays. You can set your cards up through the Defence Bank app, or directly through your device’s digital wallet.

Yes please - our fraud team are monitoring transactions for suspect and unusual activity 24/7.

Log in to your account using the Mobile App and selecting Overseas Travel from the menu.

Then select Your Travel Plans. Record your travel dates, destinations and contact details just in case we need to contact you to confirm any transactions while you are away.

Of course you can always call us on 1800 033 139 or visit your local branch to give us details of your travel plans.

Paying your credit card can be done in several ways, but the easiest by far is through Online Banking or our mobile app.

If paying from another Defence Bank account.

  1. Log into your app or Online Banking portal.
  2. Select Pay > Transfer.
  3. Select the account you would like to transfer from and the credit card as the account to transfer to you would like to pay.
  4. Follow the prompts to make payment.

If paying from another financial institution.

  1. Create a PayID for your credit card account, then use that payID when transferring funds from another financial institution.
  2. You can also use our BSB 833 205 and your nine digit credit card account number to transfer payment from another financial institution.
    Of course you can always deposit funds over the counter at any Defence Bank branch.

A common misconception is that 55 days “interest-free” means that you will have 55 days to pay off a card purchase before any interest is charged.

However; 55 days interest-free refers to the maximum number of interest-free days that are available on a purchase. To attain the full 55 days interest-free, a purchase would need to be made on the first day of your statement period.

For example, if your statement commences on 1 March and you make a purchase on this day, you will have 55 days or until 24 April to repay that amount before you are charged interest starting 25 April on any outstanding amounts. Alternatively, if you receive your statement 1 March but you make a purchase on 10 March, you will only have 45 days to make payment before you are charged interest from the 25 April.

The greater of $20 or 3% of outstanding balance.

The minimum monthly repayment on a credit card is the lowest amount you are required to pay to meet your credit card contract. By paying this amount on the payment due date, you'll avoid late fees, maintain a good repayment history, but you will still pay interest on the remaining amount owing. You should always try and pay more than the minimum amount so your credit card balance is paid off quicker and less interest is accrued.

For example, if you owe a balance of $1100 on your credit card with the minimum monthly repayment being $25, you will pay interest on the remaining $1075.

Absolutely. We encourage all cardholders to try and make the full repayment on their credit card balance each month so they do not accrue interest on any outstanding balances.

If you withdrew funds from an ATM, across the counter in Branch or transferred funds out of your Credit Card account using Online Banking or the mobile app, then interest will accrue from the date of the transaction. There is no interest free period on any cash advance transactions.

Interest will also start accruing where the balance has not been paid off in full by the due date on your last statement.

Making extra repayments on your credit card is always a good thing. This means you will accrue less interest and pay off your credit card quicker.

Use our Credit Card Repayment Calculator to see how fast you can pay off your credit card.

Sometimes things happen that are out of our control. If you need a little extra help contact us 1800 773 158 or email [email protected] to see how we can help you.

Switching to eStatements is a great choice to help our environment. Here’s how you can make the switch yourself.

Online Banking.

  1. Log in to Online Banking.
  2. Select Settings > Manage eCommunications.
  3. Enter your TA password or VIP Security Access code.
  4. Click on Manage eStatements which will expand options for registering (or deregistering) for eStatements.
  5. Once your eStatement preferences have been made, and acknowledgement ticked, click Save. 

Mobile app.

  1. Log into your Mobile app.
  2. Under the menu select Manage Accounts > Manage eStatements
  3. Enter your PIN to continue.
  4. Click on eStatements which expand options for registering (or deregistering) for eStatements.
  5. Once your eStatement preferences have been made, and acknowledgement ticked, click Save.

Alternatively, you can call 1800 033 139 or visit any Defence Bank branch, and we can organise the switch for you.