Australian Unity Low Rate Visa Credit Card

Get a low, ongoing interest rate on purchases and a competitive annual fee of $59.

The Australian Unity Low Rate Visa Credit Card has a competitive purchase rate of 9.9% p.a. and offers up to 45 interest-free days on purchases. It also gives you a way to make payments from your mobile device, thanks to Apple Pay, Google Pay and Samsung Pay functionality.

9.9% p.a.

Purchase rate

$59 p.a.

Annual fee

45 days

Interest free period

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Product NameAustralian Unity Low Rate Visa Credit Card
Purchase rate9.9% p.a.
Annual fee$59
Interest-free periodUp to 45 days on purchases
Cash advance rate18.99% p.a.
Min credit limit$500
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • Low interest rate of 9.9% p.a. on purchases
  • 4 additional cardholders at no extra cost


  • Only offers up to 45 days interest-free, compared to other cards that offer up to 55 days
Bonus pointsN/A
Annual fee$59
Minimum monthly repayment3% of the closing balance or $25, whichever is greater
Late payment fee$10
Foreign currency conversion fee3%
Cash advance fee5%
Overseas cash advance fee5%
Overseas ATM withdrawal fee$4
Additional cardholder fee$0
Number of additional cardholders4

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Australian Unity Low Rate Visa is a simple credit card with low-cost features. Both the $59 annual fee and 9.9% p.a. interest rate are competitive with other low rate cards. It also gives you up to 45 days interest-free on purchases during each statement period if you pay off the card’s full balance by the due date on your statement.

How to apply

If you've compared your options and decided you want to get the Australian Unity Low Rate Visa, you can apply online in around 5-10 minutes. Get started now by making sure you meet the eligibility criteria and that you have all the documents and details you'll need ready to go.

Eligibility criteria

  • Age. You must be at least 18 years old to apply.
  • Residency. You must be a permanent resident of Australia.

Card benefits

  • Low interest rate on purchases. This card charges a low purchase rate of 9.9% p.a.
  • Mobile payments. If you have a smartphone with Apple Pay, Google Pay or Samsung Pay, you'll be able to use this credit card for mobile payments.

Rates & fees

  • Annual fee. The annual fee for this card is $59, which is on the lower end of the scale.
  • Cash advances. If you use this card to withdraw money from an ATM or for any other cash advance transaction, a cash advance fee of 5% applies. The 18.99% p.a. cash advance interest rate will also apply from the time of the transaction.

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