Australian Unity Low Rate Visa Credit Card

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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


Product NameAustralian Unity Low Rate Visa Credit Card
Purchase rate (p.a.)9.9% p.a.
Annual fee$59 p.a.
Interest Free Period45 days
Cash advance rate (p.a.)18.99% p.a.
Min credit limit$500
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
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
Annual fee$59 p.a.
Minimum Monthly Repayment3% of the closing balance or $25, whichever is greater
Late Payment Fee$10
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee5%
Overseas Cash Advance Fee5%
Overseas ATM Withdrawal Fee$4
Additional Cardholder Fee$0
Number of Additional Cardholders4

Benefits of the Australian Unity Low Rate Visa Credit Card

  • Low interest rate on purchases. This card's purchase rate of 9.9% p.a. is very competitive with those offered on other low rate credit cards.
  • Mobile payments. If you have a smartphone with Apple Pay, Google Pay or Samsung Pay, you'll be able to use your credit card for mobile payments.
  • Interest-free days. The Australian Unity Low Rate Visa offers up to 45 interest-free days on purchases when you pay your card's closing balance by the due date on each statement.

Australian Unity Low Rate Visa Credit Card features

  • 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.
  • Additional cardholders. You can get up to 4 additional cards linked to your primary account for free. Additional cardholders should be at least 18 years old.
  • Repayment options. Making repayments to your Visa Low Rate Card is easy. You can set up direct debits, make payments via online or phone banking, send a cheque or visit any Australian Unity branch.
  • Verified by Visa. When you or anyone else uses your credit card details to make online transactions, Verified by Visa provides additional security. If it detects any unusual activity, it asks for some personal details to verify that are the cardholder.

How to apply for the Australian Unity Low Rate Visa

If you've compared your options and decided you want to get the Australian Unity Low Rate Visa, you can apply online in around 20 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

    • You are over 18 years of age
    • You are a permanent resident of Australia
    • You have good creditworthiness

Required documents

  • Identification documents such as your Australian driver’s license, passport, or Medicare card
  • Your employer’s name, phone number, and address
  • Details about your income and expenses
  • Details about your assets and liabilities
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