Australian Unity Credit Cards

An Australian Unity credit card offers simple, low-cost features and can be used anywhere Visa is accepted.

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Australian Unity

Key takeaways

  • Australian Unity is a member-owned bank that's part of Australian Unity Limited, which has been operating for over 180 years.
  • It offers one credit card, the Australian Unity Low Rate Visa, which offers a low interest rate for purchases, competitive annual fee and can be added to Apple Pay, Google Pay and Samsung Pay.

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Benefits of getting an Australian Unity credit card

Contactless payments and digital wallets

You can tap to pay with an Australian Unity Low Rate Visa Credit Card and won't need to enter a PIN if your purchase is under $100. If you have Apple Pay, Google Pay or Samsung Pay, you can also add this card and shop straight from your mobile phone or device.

Card security

Australian Unity credit cards offer Vigil 24/7 security monitoring to help detect and prevent fraud. Visa's Zero Liability Policy also offers cover for unauthorised or fraudulent transactions. And when you're shopping online, you'll get an added level of security with Visa Secure.

Visa benefits

You can use an Australian Unity Bank credit card in over 200 countries and territories around the world, anywhere Visa is accepted. It also gives you access to deals on shopping, travel, dining and entertainment through Visa Offers + Perks.

Internet and mobile banking

Australian Unity offers internet banking and a mobile app, which gives you a way to check your balance, make payments and put a temporary lock on your card.

How to apply for a Australian Unity credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age, and you'll need to meet minimum income requirements (which vary depending on the card). For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Credit card brands similar to Australian Unity

If you want a card from a member-owned bank, here are 3 other credit card providers you could compare with Australian Unity:

Frequently asked questions

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Sources

Amy Bradney-George's headshot
Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise
Amy has written 512 Finder guides across topics including:
  • Credit cards
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  • Credit score
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  • Money management
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2 Responses

    Default Gravatar
    RajanOctober 25, 2025

    Can a holder of Bridging Visa A, living in Perth, open Freedom Savings Account with Australian Unity bank.

      Sarah Megginson's headshotFinder
      SarahOctober 27, 2025Finder

      Hi Rajan,

      As a holder of a Bridging Visa A, it’s likely that you can open a Freedom Savings Account with Australian Unity, as the account is open to Australian residents and you’re residing in Perth. You’ll need to provide proof of your identity and visa status as required by the bank’s application process. Hope this helps!

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