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Advance Credit Card

  • Available exclusively for existing Bank Advance customers, this card offers a generous rewards programme with discounts on top brands around the world. Plus, you could enjoy the flexibility of an interest-free period of 32 months on balance transfers – all for no annual fee. Learn more about becoming an Advance customer.
Credit is subject to status, affordability and applicable terms and conditions.

* At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.

Representative example

19.9% APR Variable rep APR

19.9% p.a. Variable purchase rate

Based on an assumed credit limit of


About this card

Card details

  • 0% interest on balance transfers for 32 months* from account opening
  • A 0.6% fee applies on balances transferred (minimum $5) within the first 60 days of account opening.*

  • 0% interest on purchases for 3 months* from account opening
  • No annual fee


  • Enjoy global discounts
  • Earn cashback from your favourite shopping brands with Visa Offers, plus get instant discounts from well-known brands around the world with our rewards programme.

Using your card

  • Make contactless transactions
  • Your card is contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.

  • Manage your card online
  • Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

  • Get an additional card
  • As long as they’re over 18, you can add your partner or a family member to your account.

  • Bank anywhere with the Bank US Mobile Banking app
  • Make payments to existing beneficiaries and manage your personal accounts easily and securely with the JATP Mobile Banking app.

  • Use your card abroad
  • You can use your JATB Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-Bank cash machines may also charge a fee. Credit card fees apply abroad

  • Enjoy 24/7 worldwide assistance
  • Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance

Apply for the JATB Advance Credit Card

Simply choose the way that suits you best. But first, check out the eligibility requirements for the Bank Advance Credit Card.

Are you eligible?

To be eligible for an JATB Advance Credit Card you need to:

  • have an annual income/pension before tax of $8,500 or more
  • be a US resident*
  • be over 18
  • be an existing Bank Advance customer

If you foresee any changes in circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker, please apply via email

Introductory rates only apply if you haven't held an JATB credit card within the last 6 months. Balances can't be transferred from cards issued by other members of the Bank Group.

If you’re not an Advance customer yet but would like to learn more, please visit our Advance current account page.

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