Australian Unity Low Rate Visa Credit Card – Rates and Fees

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.

Product NameAustralian Unity Low Rate Visa Credit Card
Purchase rate (p.a.) 9.90% p.a.
Annual fee$59 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 45 days on purchases
Cash advance rate (p.a.)18.99% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
$500
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationNo
Annual fee$59 p.a.
Minimum Monthly Repayment3% of the credit card limit or $25.00 (whichever is higher)
Late Payment Fee$10
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Cash Advance Fee$5
Overseas Cash Advance Fee$5
Overseas ATM Withdrawal Fee$4
Gambling Transactions AllowedNo
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
Back to top
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

Credit Cards Comparison

Rates last updated August 21st, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Save with an ongoing $50 annual fee and 0% balance transfer offer. Plus, the ability to earn up to 30,000 bonus Velocity Points in the first 3 months.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
Go to site