Credit you can score with

To apply for a credit card, you must meet the following criteria:

• Be at least 18 years old
• Be an Australian citizen, permanent resident or selected visa types
• Be able to provide proof of income and liabilities (e.g. bank statements and payslips)
• Have a minimum income of $2,000 per month after tax (roughly equivalent to $26,000 per year before tax)

Your credit limit is the maximum amount of money you can borrow on your Revolut Credit Card at any one time.

As you make purchases, your available credit (the amount you have left to spend) decreases. When you make repayments, your available credit is restored.

Your specific limit is determined based on our assessment of your financial situation and credit history. You can view your personal credit limit at any time in the Revolut app.

You are not charged interest on purchases if you pay your entire statement balance in full by the due date. This is known as an interest-free period.

If you pay less than the full balance, interest is then charged on the remaining amount. This interest is calculated daily and added to your account each month until the balance is fully paid.

Please note: Cash advances (like ATM withdrawals) do not have an interest-free period and start accruing interest immediately.

Yes, you can withdraw cash with your credit card at an ATM. This is known as a cash advance.

Each cash advance incurs a fee of $4.00 or 3.00% of the transaction amount, whichever is greater. Interest is charged on the withdrawn amount from the date of the transaction, as the interest-free period for purchases does not apply.

There are no annual fees or over-the-limit fees on Revolut Credit Cards.

However, fees do apply for specific actions. Here are the most common ones:

• Cash Advance Fee: $4.00 or 3.00% of the transaction amount, whichever is greater.
• Late Payment Fee: if we do not receive at least your minimum monthly repayment within 5 days of its due date, a $30 late payment fee will be charged.
• Payment Dishonour Fee: if a scheduled payment to your credit card (like a direct debit) fails due to insufficient funds in your linked account, a $15 dishonour fee will apply.
• Card-Related Fees: fees for services like card delivery, re-issuing a lost card, or ordering an additional card are determined by your Revolut subscription plan (Standard, Premium, Metal, Ultra). Please check the fee schedule for your specific plan for details.
• Foreign Exchange Fees: when you make purchases in a currency other than Australian Dollars, foreign exchange fees may apply. These fees and any applicable exchange limits are also based on your Revolut subscription plan.

Review credit card fees page for more information. Consider TMD and Key Fact Sheet to determine if a credit card is right for you.

Checking your eligibility for a credit card won’t impact your credit score. If you choose to proceed with your application, we’ll record a credit enquiry with the credit reporting body, Experian Data Registries Pty Ltd (formerly illion Data Registries Pty Ltd).

We’ll only do this when you’ve seen a consent screen and agreed to us running a credit bureau hard check before you submit your application for review.

Credit card applications must be completed via the Revolut app. If you haven’t already, you'll need to download the Revolut app and complete the retail sign-up process by following this FAQ.

Downloading the Revolut app will allow you to progress your application in the app securely, and have 24/7 access to in-app chat support. If approved, you’re able to use your credit card. You can also manage your card in-app, including checking your balance, downloading statements, and making repayments.

No, you can apply for and use a Revolut credit card with no monthly fee on our Standard plan.

However, our paid plans (like Premium, Metal or Ultra) offer enhanced benefits that you can enjoy with your credit card, such as complimentary travel insurance or a higher rate of earning RevPoints.

You will have the option to select or change your plan when you apply.