Did you click here looking for the ultimate travel companion to avoid foreign transaction fees? You are in the right place. While many search for an Up Bank 'Credit Card', their digital Debit Mastercard is actually the secret weapon Aussies use to travel smarter. Here is how it works.
That means there is no official “Up credit card application” flow you can follow in the Up app today.
What you can do is (1) open an Up account and get an Up debit card, and (2) if you still need a credit card, apply with another issuer.
What Up Bank is
Up is a mobile-first banking service and a brand of Bendigo and Adelaide Bank Limited, which is the issuer of Up-branded banking products.
In its personal account terms, Up lists Up Everyday Account, Up Saver Account, and Up Essentials Saver Account.
| Feature | Up Everyday Account | Up Saver Account | Up Essentials Saver Account |
|---|---|---|---|
| Main purpose | Everyday spending and banking | Savings (separate from your spend account) | Savings + limited “spend-from-saver” tools |
| Who can open | Individuals over 16 | Individuals over 16 | Individuals over 16 who are current Up High subscribers (including Up High Early Access) |
| Minimum to open | $1 | $1 | $1 |
| Minimum balance | Nil | Nil | Nil |
| Earns interest | No | Yes (stepped; calculated daily, credited monthly) | Yes (stepped; calculated daily, credited monthly) |
| Funds availability | At call | At call | At call |
| Card / payment access | Debit Mastercard + digital wallet support | No Debit Mastercard | Digital card only (not for in-store, ATMs, or digital wallets) |
| ATM access | Yes | No | No |
| BPAY | Yes | Yes | Yes |
| Pay Anyone transfers | Yes | Yes | Yes |
| Automatic payments | Yes | Yes | Yes |
| Bank@Post | Yes | No | No |
| PayTo | Yes | No | Yes |
| Notes worth knowing | This is the account designed for day-to-day transactions | Built for saving; interest rules/eligibility can apply (e.g., offsets) | Up notes it has its own digital card for direct debit and online payments, and Up has said Up High features are expected to roll out more broadly over time |
Payment facilities like Pay Anyone, BPAY, direct debits, and Debit Mastercard linked to eligible accounts
Those product terms describe a debit-based setup (spend money you already have), not a credit-card lending product (borrow now, repay later).
Step-by-step: how to get set up with Up
Up is designed to be managed through the app, and its product terms describe how accounts and payment facilities operate through the Up app.
During setup, you should expect the typical steps used by Australian banks for identity verification and account creation.
Keep your personal details consistent across your documents to avoid delays and errors during the process.
Open an Up Everyday Account
The Up Everyday Account is the core “spend” account listed in the personal account terms.
Once it’s open, you can use it for salary deposits and transfers, bills and direct debits, and day-to-day spending through card payments.
Order and activate your debit card
Up’s product terms describe Debit Mastercard payment facilities linked to eligible Up accounts.
This debit card is what you’ll use for in-store and online purchases, and it’s also one of the cleanest ways to build a reliable transaction history.
This is useful if you later apply for credit elsewhere.
Create Savers for budgets and bill planning
Up’s product terms include savings accounts, and its pricing page explains that Up Savers can earn interest once you qualify.
Even if you’re using a credit card from another provider, Savers can help you “pre-fund” repayments:
- One Saver for your monthly credit card payment
- One Saver for recurring bills
- One Saver as a buffer to avoid accidental overspending
How to use a credit card from another bank
You can pay a separate credit card provider through BPAY or direct debit.
Option A: Pay your credit card via BPAY or bank transfer
Up’s personal account terms list BPAY and “Pay Anyone” transfers as available payment facilities.
Most Australian credit cards support BPAY. Once you have your credit card’s BPAY biller code and reference number, you can pay from Up like a normal bill.
Option B: Set up direct debit for minimum or full balance
Up’s terms also reference direct debits as a payment facility.
If your credit card issuer lets you set direct debit from an external account, you can link your Up Everyday Account. Many people choose:
Full balance (avoids interest in most cases), or Minimum repayment (easier cashflow, but interest can add up fast)
Option C: Build a simple “repayment routine”
If you want a system, you can set aside money weekly into a “Credit Card Repayment” Saver and keep a buffer in your spending account.
Pay the card before the due date. This keeps you in control and reduces missed payments.
Interest rates and fees: what you can verify today
Because Up’s published personal account terms focus on deposit accounts and debit card facilities, not a credit card.
There is no Up credit card purchase rate to quote from Up’s personal account terms.
What Up does publish clearly on its pricing page includes an overdrawn interest rate of 11.23% p.a.
That matters if you ever spend beyond your available balance (for example, a payment processes when you’re short).
Customer support, phone, and address (official details)
In-app: “Talk to Us”
Phone (Australia): 1300 002 258/Phone (overseas): +61 1300 002 258
Email: support@up.com.au
Bendigo and Adelaide Bank Limited: The Bendigo Centre, Bath Lane, Bendigo, VIC 3550, Australia
Conclusion
If you want a true credit card, you should know that Up’s published personal account terms and payment facilities describe a debit Mastercard.
If you plan to use Up anyway, you can still set yourself up well by opening your Up account and using Savers for control.
Use Up’s official support channels if you need help during setup, and keep your repayment routine simple so you don’t miss due dates.
Disclaimer: This article is for general information only and is not financial advice. Product availability, fees, and interest rates can change, so you should confirm current details in the Up app and official Up product terms before you apply or make decisions.
