Australian Unity Credit Cards

From low rates to interest-free days on purchases and smartphone payment options, here are the features you can get with a credit card from Australian Unity Bank.

Australian Unity
Australian Unity offers one credit card: the Low Rate Visa. This card offers a competitive purchase rate of 9.9% p.a. and up to 45 interest free days on purchases. It's also compatible with Apple Pay, Google Pay and Samsung Pay.

Australian Unity was previously known as Big Sky Building Society, which was re-branded in 2018 (following a merger in 2012). It offers a range of competitive products including cards, loans, transaction accounts and self-managed super funds, alongside Australian Unity insurance products.

Comparison of Australian Unity Credit Cards

Rates last updated August 19th, 2019
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Australian Unity Low Rate Visa Credit Card
9.90% p.a.
$59 p.a.
Receive up to 45 days interest-free on purchases and the ability to pay using Visa payWave for transactions less than $100.

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Types of credit cards from Australian Unity

The Australian Unity Low Rate Visa is designed to be a low-cost credit card, with an annual fee of $59 p.a. If you want to share your credit card account with a partner or family members, you can also request up to 4 additional cardholders at no extra cost.

The 9.9% p.a. ongoing purchase rate makes it a competitive low rate option, while the interest-free days are a convenient benefit if you pay off your balance in full by the due date on each statement. However, it's worth noting that this card has a higher interest rate of 18.99% p.a. for cash advance transactions, such as ATM withdrawals or the purchase of foreign currency.

Learn more about Low Rate Credit Cards

Benefits of getting an Australian Unity credit card

Here are some of the features and benefits you can get with a credit card from Australian Unity:

  • Competitive fees

Australian Unity credit card offers competitive annual fee and you don’t have to pay extra fees for additional cardholders.

  • Contactless and mobile payments

The Australian Unity Low Rate Visa offers tap-and-go payments, with no need to enter a PIN if your purchase is under $100. If you have a smartphone with Apple Pay, Google Pay or Samsung Pay functionality, you can also add this card to your app and then pay straight from your device.

  • Card security

Get an extra layer of protection when you're shopping online, with Verified by Visa. You'll also receive protection through Visa's Zero Liability Policy, which offers you cover for unauthorised or fraudulent transactions.

  • Up to 10% off Australian Unity insurance

If you're a new customer, you can get up to 10% off your Australian Unity insurance when you use this credit card for direct debit payments and meet the other requirements. Check out the full terms and conditions or call Australian Unity on 1300 790 740 for more information.

How to apply for an Australian Unity credit card

You can apply for an Australian Unity credit card online in around 20 minutes. Before you get started, make sure you meet the eligibility requirements and have all the relevant documents and details on hand.

Eligibility

  • You’re an Australian citizen or a permanent Australian resident
  • You’re at least 18 years old
  • You don’t have poor credit history

Documents and details

  • Personal details. This includes your full name, date of birth, marital status, number of dependents, phone number, email address and residential status. You'll also need to provide a valid form of ID, such as your driver's license, passport or Medicare card number.
  • Employment details. This includes details of your current job and salary, as well as your employer's contact detail. You may also need to provide recent payslips and information about your employment history.
  • Financial details. This includes any other income, such as government benefits, as well as savings and assets such as property. You'll also need to share information about any existing debts, as well as ongoing household expenses such as rent, mortgage payments, utility bills and groceries.

Frequently asked questions

If you can’t find an answer to a question you have about these credit cards, you can use the form at the end of this page to ask.

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Credit Cards Comparison

Rates last updated August 19th, 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.

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* 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.

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