Am I eligible for a Visa Card?

You will need to:

• be over 18 years of age
• be an Australian resident
• apply in personal names, and
• have a permanent monthly income and/or a stable job.

If you are not already a Member of SERVICE ONE, you will need to join. Joining is easy - find out about becoming a SERVICE ONE Member.

How much can I borrow?

The maximum amount you can borrow on a Visa card is dependent on your application and individual situation. Use our calculators to get a sense of what you can borrow (links below).

How is the interest calculated on my Visa card?

Interest is calculated daily and charged monthly.

What fees are charged and how can I minimise them?

Visa transactions do not attract any withdrawal fees when you select the Visa 'credit' button. Visa retail and merchant transactions do not attract any transaction fees.

Our Schedule of Fees and Charges details more information in terms of how to minimise fees.

How much do I repay each month?

Our Visa card is a continuous credit contract. Repayments are based on the greater of 3% of your outstanding balance or a minimum of $20 per month.

How do I make repayments to my card?

You can arrange to make your card repayments either by payroll deduction, Direct Debit from your savings or transaction account, Internet or telephone banking transfer, at any one of our Branches. Learm more about these methods of repayment.

How often will I receive information on my account?

Statements are issued monthly. A transaction list can be requested at any time from our Branches, however there may be a charge for duplicate statements. Account balances and statements are also available through our Internet and telephone banking services.