Visa Credit Card
Low interest rate and no annual fees.
Key features
One of the lowest interest rates on the market
Get 0% interest on balance transfers for the first 6-months
No balance transfer fees
No annual fees
Up to 55 days interest free
Visa 3DSecure
Google Pay and Apple Pay
24/7 Fraud monitoring
Accepted at over 24 million locations worldwide
Free internet banking and MyCOAST App
Fees and requirements
18 years and over
Cash advance fee $3.50
Lost card replacement fee $10
Visa international transaction fee $3.65
Overseas ATM withdrawal fee $5
Rates
0.00
%p.a. Introductory 6-month balance transfer rate*
9.99
%p.a. purchase rate*
9.99
%p.a. cash advance rate*
Our online application form is fast and secure.
Eligibility subject to lending criteria.
*Interest rate is variable and subject to change without notice.
Conditions of use | Schedule of fees and charges | Financial services guide | Summary of accounts | Schedule of loan fees | Personal overdraft & credit card car & personal loans | Target market determination | Debit card target market determination
Disputing a transaction
Do you have a transaction on your Visa debit or credit card that you think is unauthorised or incorrect? Do you have an issue with goods or services you’ve purchased?
Here are some steps to take before contacting us.
Step 1 – Check the details of the transaction
- Could the purchase have been made by a family member?
- Is it possible that the Merchant is operating under a trading name? Check to see if you have other transactions with similar details
- Check the transaction date and try to recall which shops you visited that day or in the days leading up to it.
- Is the transaction for a regular membership, subscription or app download?
- If you have ordered goods or services from the Merchant, check the delivery information such as delivery address and due date
- If you have returned goods or services to the Merchant and were advised that a refund would be made, check if the credit has been processed to your nominated account
- If you believe it is fraud, contact Coastline Bank as soon as possible
Step 2 – Contact the Merchant
- Contact the Merchant to try and resolve the issue first
- If you wish to cancel recurring or subscription billing on your card, you must first contact the Merchant as soon as possible
- While we can help with most transaction enquiries, the merchant should be contacted in the first instance for the following:
- Refunds or exchanges if you have changed your mind
- Membership fees and monthly subscription enquiries
- Issues with any software you have downloaded
Step 3 – Complete Visa Dispute Form and Contact Coastline Bank
- Complete the Visa Dispute Form [if you need help to complete do not hesitate to contact us]
- If you don’t contact us within 90 days of the date of the transaction, we may be unable to initiate a dispute with Visa
- As part of the dispute process, we will ask for any supporting documentation such as:
- Transaction documentation
- Copies of any email communications you have had with the Merchant
- Delivery information
- Details of the goods or services purchased / ordered
- Return details if goods / services were returned to the Merchant in exchange for a refund
- Return completed Visa Dispute Form and all supporting documentation to one of our branches or email to riskandcompliance@coastline.com.au
ATM withdrawal dispute
We'll submit your request to the relevant financial institution and will endeavour to resolve your dispute within 45 days.
Return completed ATM Dispute Form and all supporting documentation to one of our branches or email to riskandcompliance@coastline.com.au
Here to help
Credit scores play a key role in your financial future, but they don’t have to be confusing. By using your credit card responsibly, you can build and maintain a strong credit score. This article offers simple tips like paying on time, keeping your credit utilisation low, and using your card regularly. Learn how small, smart decisions today can help you create a solid financial foundation for tomorrow. Ready to boost your credit score? Keep reading!
- Learn more
Credit scores play a key role in your financial future, but they don’t have to be confusing. By using your credit card responsibly, you can build and maintain a strong credit score. This article offers simple tips like paying on time, keeping your credit utilisation low, and using your card regularly. Learn how small, smart decisions today can help you create a solid financial foundation for tomorrow. Ready to boost your credit score? Keep reading!
- Learn more
Credit card debt can really add up quickly if you don’t keep on top of it. In this article, we’ll give you some top tips for staying on top of your credit card, without becoming overwhelmed.
Budgeting & savings calculators
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Savings calculator
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FAQs
The minimum credit limit for our low-rate Visa Credit Card is $500. When applying, you'll be offered a credit limit based on your financial situation, but the starting limit will be no less than $500. You can request a higher limit during the application process or if you’ve had the card for a while. Increasing your limit will be subject to approval and we assess this amount based on your income and credit history.
The minimum credit limit for our low-rate Visa Credit Card is $500. When applying, you'll be offered a credit limit based on your financial situation, but the starting limit will be no less than $500. You can request a higher limit during the application process or if you’ve had the card for a while. Increasing your limit will be subject to approval and we assess this amount based on your income and credit history.
To take advantage of the Visa Credit Card balance transfer offer, simply apply for the card online. Once you’ve been approved, you can request the balance transfer by contacting us. It’s a good idea to continue making payments on your old card until the balance transfer is confirmed.
The transferred balance will have 0% interest for six months with no transfer fees. After six months, the standard 9.99% interest rate will apply. Make sure to pay on time to avoid any fees.
To increase your credit limit, follow these steps:
- Log in to Coastline Internet Banking or the MyCOAST app.
- Navigate to the credit card section and select "Request Credit Limit Increase."
- Complete the form and submit it.
- Your request will be reviewed. Credit limit increases are subject to approval and we’ll consider your credit history, income, and account activity.
- We’ll let you know the decision by email typically within a few business days.
- More information
Lost or stolen cards can be reported via:
- The MyCOAST App
- Internet banking
- The card hotline: 1800 621 199
- If you’re overseas, call + 61 2 9955 7686
To order a replacement card, please send us a secure message via online banking, visit your local Coastline Bank branch or contact our Customer Support Centre for help.
Please note: A fee may apply for ordering a replacement card. Refer to our Disclosure Documents for further details.
- Learn more
If you suspect a scam or suspicious activity, report it immediately.
Ways to report a scam:
- Call our fraud hotline on 1300 361 066 for assistance.
- Visit your nearest Coastline Bank branch for help.
- Report in internet banking - log in and go to the ‘Security’ section.
Provide detailed information about the scam to help us address it effectively.
Report to Scamwatch to help prevent others from falling for the scam.
MyCOAST App
Experience the freedom and convenience of managing your money anywhere, anytime with the MyCOAST Mobile Banking App. Whether you’re on a coffee break, at home, or travelling our app is designed to keep you connected to your finances.
Download the app.
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General advice warning
This advice has been prepared without taking your objectives, financial situation, or needs into account. Before acting on this advice, you should consider whether it is appropriate for your circumstances. For more details, access the relevant Product Disclosure Statements, Target Market Determinations or Financial Services Guides under 'Important information' on our product pages.
All loan applications are subject to credit approval. Interest rates may vary, and fees and charges could apply.