Benefits
Enjoy these exclusive offers
0% interest rates on first 12 months
Enjoy 12 months interest free on purchases and balance transfer with our Low Rate Visa credit card.¹
2% reduction on car loan standard rate
Thinking of buying a new car? Exclusive discounts available on our car loan.²
2% reduction on personal loan standard rate
Thinking of buying a going on a holiday? Exclusive discounts available on our personal loan.³
Exclusive Police Recruits offers
Home Loan Offers for Police
Special Police rate on Home Loans.
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Police Recruits Offers
Terms and Conditions
Please read these important Terms & Conditions relating to our Police Recruits Offers.
¹Low Rate Visa Offer - Introductory rate offer 0% pa on Balance Transfer and retail purchases on your first 12 months
To be eligible for this offer you must be a current Police employee within your first 12 months of employment and deposit your salary into a BankVic transaction or savings account. The introductory rate is applicable to balance transfers and purchases for the first 12 months from activating your new Low Rate Visa credit card. After the 12-month period, any unpaid balance transfers and purchases will then attract the card’s ongoing interest rate applicable at the time. Interest rates are subject to change and available on our website. Balance transfers are limited to two credit cards per Visa credit card account and exclude transfers from other BankVic credit cards. This offer is not available when closing/transferring from another BankVic credit card account or in conjunction with any other BankVic card offer. BankVic may vary or end this offer at any time without notice. The Target Market Determination is available at bankvic.com.au.
²Car Loan Offer: To be eligible for this offer you must be a current Police employee within your first 12 months of employment and deposit your salary into a BankVic transaction or savings account. All BankVic car loans are secured by a goods security agreement. This offer is not available when closing/ transferring from another BankVic car loan. BankVic may vary or end this offer at any time without notice. The Target Market Determination is available at bankvic.com.au.
³Personal Loan Offer: To be eligible for this offer you must be a current Police employee within your first 12 months of employment and deposit your salary into a BankVic transaction or savings account. This offer is not available when closing/ transferring from another BankVic personal loan. BankVic may vary or end this offer at any time without notice. The Target Market Determination is available at bankvic.com.au.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for our personal and car loan has been calculated for an amount of $30,000 over a term of 5 years.
Fees
Read about our fees
- DEBIT CARD FEESFee TypesFeesDisputed transaction$25 per transactionCard replacement in Australia$10Card replacement overseasUSD $175Emergency cash overseasUSD $175International currency conversion fee3.65% of the AUD transaction amountCREDIT CARD FEESFee TypesFeesGold Visa annual fee$40Late payment fee$15Cash advance fee (1)FreeDisputed transaction$25 per transactionCard replacement in Australia$10Card replacement overseasUSD $175Emergency cash overseasUSD $175International currency conversion fee3.65% of the AUD transaction amount
(1) Interest rates on cash advance applies.
QANTAS VISA FEESFee TypesFeesAnnual fee$0Late payment fee$9Cash advance fee (1)FreeDisputed transaction$25 per transactionCard replacement in Australia$10Card replacement overseas$0Emergency cash overseas$0International currency conversion fee2% of the AUD transaction amount(1) Interest rates on cash advance applies.
CAR & PERSONAL LOAN FEESFee TypesFeesSetup fee$90Goods security agreement$20 per securityPAYMENT FEESFee TypesFeesDishonour for insufficient funds for external transfers$9 after 3 attemptsBankVic dishonour charge$9Direct debit stopped payment$19Personal cheque book (25 pages)$10BANK DRAFT FEESFee TypesFeesForeign currency bank draft$15 per transactionReissue$10Cancellation$40OTHER FEESFee TypesFeesExpress post fee$7.50Transaction archive search feeUp to $10Miscellaneous fee (1)$50 per transaction and $15 per quarter hourAdditional or reprint statement feeFreeList of transactions via branch or contact centre$2 per pageDormant account fee (2)$40 per yearCompany search fee$25(1) Fee charged for services not otherwise provided in this guide
(2) Dormant fee - applied where there have been no transactions in the account for at least 1 year, we have written to you but you have not given us written notice stating you wish the account to remain open.
RECORD FEESFee TypesFeesVoucher archive retrieval - up to 30 days since transaction$6Voucher archive retrieval - up to 30 to 90 days since transaction$7.50Services fee on a time basis$15 per quarter hourPhotocopy cost$2 per page
Terms and conditions
Important things you should know
Information on this page is general in nature and does not take into account your personal circumstances. You should consider whether it is appropriate for you before acquiring the product or service.
Fees and charges may apply. Interest rates are variable and subject to change. Information on our terms & conditions, interest rates and fees & charges are available on request.
We recommend that you read the following documents: