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.

Comparison of Australian Unity Credit Cards

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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.	More info	Compare	loading Fetching your data...

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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 a 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.

• How can I check the status of my application?

  You can check the status of your application online or over the phone by calling 1300 790 740.

• What is the minimum credit limit?

  The minimum credit limit for the Australian Unity Low Rate Visa is $500.

• How can I get an additional card?

  If you want to share your credit card account with someone, you can request an additional cardholder when you apply for your credit card. If you've already got an Australian Unity credit card, you can submit an additional cardholder application via the Australian Unity.

• What should I do if my card is lost or stolen?

  If you've lost your card and want to look for it, you can block it temporarily though the Australian Unity banking app.

  To report a lost or stolen card directly, call Australian Unity on 1300 790 740 when you're in Australia, or +61 3 8682 7666 when you're overseas. You can also call the 24-hour Cardholder Support Hotline at any time on +1 303 967 1090.