In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Australian Unity Low Rate Visa Credit Card

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Australian Unity Low Rate Visa Credit Card
Terms and conditions apply
Purchase rate
9.9% p.a.
Annual fee
$59 p.a.
Interest-free on purchases
Up to 45 days

Our verdict

Get a low, ongoing interest rate on purchases and a competitive annual fee of $59.

The Australian Unity Low Rate Visa is a simple credit card with low-cost features. Both the $59 annual fee and 9.9% p.a. interest rate are competitive with other low rate cards. It also gives you up to 45 days interest-free on purchases during each statement period if you pay off the card’s full balance by the due date on your statement.

Pros

  • Low interest rate of 9.9% p.a. on purchases
  • 4 additional cardholders at no extra cost

Cons

  • Only offers up to 45 days interest-free, compared to other cards that offer up to 55 days
  • 3% foreign transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

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.

Details

Product details

Product Name Australian Unity Low Rate Visa Credit Card
Purchase rate p.a.
Purchase rate p.a.
9.9%
Interest-free period
Up to 45 days on purchases
Cash advance rate p.a. 18.99%
Min credit limit $500
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee
Annual fee
$59
Minimum monthly repayment 3% of the closing balance or $25, whichever is greater
Late payment fee $10
Foreign currency conversion fee
Foreign currency conversion fee
3%
Cash advance fee 5%
Overseas cash advance fee 5%
Overseas ATM withdrawal fee $4
Additional cardholder fee $0
Number of additional cardholders 4

How to apply

If you've compared your options and decided you want to get the Australian Unity Low Rate Visa, you can apply online in around 5-10 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

  • Age. You must be at least 18 years old to apply.
  • Residency. You must be a permanent resident of Australia.

Card benefits

  • Low interest rate on purchases. This card charges a low purchase rate of 9.9% p.a.
  • Mobile payments. If you have a smartphone with Apple Pay, Google Pay or Samsung Pay, you'll be able to use this credit card for mobile payments.

Rates & fees

  • Annual fee. The annual fee for this card is $59, which is on the lower end of the scale.
  • Purchase rate. This card charges an interest rate of 9.9% p.a. on purchases, which is lower than the average standard interest rate for credit cards in Australia.

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