Coastline Credit Cards

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Coastline offers two distinct credit cards, and while both offer rewards, one can be particularly beneficial for business use.

Coastline Credit Union has provided its members an array of financial services and products for over four decades, and its aim is to offers members high levels of financial products and services while keeping costs to a minimum. Coastline, as of now, has branches spread across the Port Macquarie, Taree, South West Rocks, and Kempsey areas. Its offerings include access and savings accounts; home, personal and car loans; insurance solutions; financial planning advice; and credit cards.

Comparison of Coastline Credit Cards

Rates last updated May 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Coastline Visa Credit
Low annual fee with a low introductory interest rate on purchases of for months.
17% p.a. 0% p.a. for 6 months $75 p.a. More info
Coastline Visa Business Rewarder Credit Card
Enjoy a low interest rate of 17% p.a. on both purchases and cash advances, which are interest-free for up to days.
17.00% p.a. $75 p.a. More info

Types of credit cards that Coastline offers

Coastline Credit Cards offer credit cards for individual consumers as well as business users, and both kinds come with competitive interest rates.

  • Rewards cards

A typical rewards credit card enables you to earn rewards points when you make purchases, and how you can redeem these points varies from card to card. With the Coastline Visa Credit Card, you have unparalleled freedom when it comes to redeeming your reward points. In addition, you can use this credit card at over 24 million merchants worldwide, owing to its Visa affiliation. It comes with a special five-month introductory rate for balance transfers, and you can avail of up to 55 interest free days on purchases. You have to pay a nominal annual fee as long as you keep using the card, but you can look forward to an annual fee waiver if you spend more than $12,000 p.a.

Rates last updated May 27th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
Coastline Visa Credit
Low annual fee with a low introductory interest rate on purchases of for months.
$75 p.a. More info
Rates last updated May 27th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
NAB Rewards Platinum Card
Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
1 80,000 bonus points $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
1 75,000 bonus points $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and a host of platinum privileges. Earn 1 Citi Reward Points for every $1 spent on eligible domestic and international spend.
1 0 $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
1 0 60,000 bonus points $199 p.a. Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every year.
2 50,000 bonus points $395 p.a. Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
1 0 $99 p.a. Go to site More info
St.George Amplify Signature
Receive up to 90,000 bonus Amplify points on eligible spend and earn up to 3 reward points per $1 spent on eligible purchases.
1.5 0 90,000 bonus points $279 p.a. Go to site More info
ANZ Rewards Platinum
Earn up to 50,000 bonus Reward Points when you spend $2,500 in the first 3 months plus $0 in the first year.
1.5 50,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Platinum - Qantas Rewards
Fly faster with up to 1.000 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 60,000 bonus points $99 p.a. Go to site More info
St.George Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 60,000 bonus points $99 p.a. Go to site More info
American Express Velocity Platinum Card
Take off sooner with up to 2.5 Velocity Points per $1 spent and receive a complimentary Virgin Australia return domestic flight every year.
0 1.5 100,000 bonus points $375 p.a. Go to site More info
St.George Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and receive 2 complimentary Qantas Lounge Passes.
0.75 0 90,000 bonus points $279 p.a. Go to site More info
ANZ Rewards Black Credit Card
This card offers 75,000 bonus points when you spend $2,500 on eligible purchases in the first 3 months from approval and $0 annual fee for the first year. Earn up to 2 reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
2 75,000 bonus points $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Signature - Amplify Qantas
Fly faster with up to 1.500 Qantas Point per $1 spent and receive 2 complimentary Qantas Lounge Passes.
0.75 0 90,000 bonus points $279 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
BankSA Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and instantly become a Visa Luxury Hotel Collection member.
0.75 0 $279 p.a. Go to site More info
NAB Rewards Classic Card
Earn 0.75 NAB Rewards Point per $1 spent and receive complimentary purchase protection insurance.
0.75 40,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
BankSA Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 $99 p.a. Go to site More info
Westpac Altitude Black
Earn up to 3 Altitude Points per $1 spent and enjoy up to four complimentary airport lounge visits each year.
1.25 3 80,000 bonus points $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
BankSA Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary travel insurance.
1 $99 p.a. Go to site More info
Find out more about Rewards Credit Cards

  • Business cards

If you run a small or midsized business, using a business credit card can benefit is more ways than one. The Visa Business Credit Card that Coastline offers, for instance, comes with a number of fee-free transactions. If you maintain a minimum monthly membership balance of $10,000 in your savings, investments, and loans with Coastline you get a monthly fee waiver. If you spend more than $20,000 p.a., you don’t have to pay an annual fee.

Rates last updated May 27th, 2017
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
Coastline Visa Business Rewarder Credit Card
Enjoy a low interest rate of 17% p.a. on both purchases and cash advances, which are interest-free for up to days.
VISA/MC: 0 AMEX: 0 N/A $75 p.a. More info
Rates last updated May 27th, 2017
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
Commonwealth Bank Business Gold Awards Credit Card
Get an unsecured credit limit of up to $50,000 and up to 55 days interest-free on purchases.
VISA/MC: 1 AMEX: 2 3 months $150 p.a. Go to site More info
American Express Platinum Business Card
Receive complimentary international travel and business expense insurances and gain access to 800 VIP Lounges in 100 countries.
100,000 bonus points VISA/MC: 0 AMEX: 1 6 months $1,500 p.a. $75,000 Go to site More info
American Express Velocity Business Card
Easily download expenses into business and account management software, plus receive two Virgin Australia lounge passes per year.
VISA/MC: 0 AMEX: 1 N/A $249 p.a. $24,000 Go to site More info
Commonwealth Bank Business Interest-Free Days Credit Card
The flexibility of a Mastercard and an American Express, plus the ability to directly transfer your points to Qantas frequent flyer.
N/A $60 p.a. Go to site More info
Commonwealth Bank Business Awards Platinum Credit Card
The flexibility of a Mastercard and an American Express, and the benefits that come with platinum plastic.
VISA/MC: 1 AMEX: 3 6 months $300 p.a. Go to site More info
American Express Business Card
A low fee business credit card with up to 51 days interest-free on purchases.
VISA/MC: 0 AMEX: 1 N/A $109 p.a. $24,000 Go to site More info
American Express Gold Business Card
Receive complimentary travel insurance, up to 51 days interest-free on purchases and no pre-set spending limit.
10,000 bonus points VISA/MC: 0 AMEX: 1 N/A $169 p.a. $24,000 Go to site More info
Commonwealth Bank Business Awards Credit Card
A low fee business rewards credit card with up to 55 days interest-free on purchases and a $50,000 limit.
VISA/MC: 1 AMEX: 1.5 N/A $100 p.a. Go to site More info
Shell Card
Minimise your fuel costs at over 1,000 locations across Australia. Save 6 cents per litre off fuel purchases at all Shell branded sites
N/A $30 p.a. Go to site More info
Find out more about Business Credit Cards

Benefits of using a Coastline credit card

Both types of credit cards that Coastline offers come with their share of benefits, and while their rewards program requires special mention, there are other advantages as well.

  • Rewards program

While a number of credit cards give you the ability to earn reward points, certain cards don’t provide too much freedom when it comes to redeeming accumulated points. Coastline’s Rewarder program is noteworthy because it allows you to redeem your reward points through any merchant in Australia that accepts EFTPOS payments.

  • Easy access to account information

Coastline credit card holders have free and round-the-clock access to internet and phone banking, which they can use to go through different kinds of account related information.

  • Visa benefits

Both Coastline credit cards come with Visa affiliations, so cardholders benefit through Visa’s 24/7 fraud monitoring system. ‘Verified by Visa’ works as an additional layer of security when you use your credit card for shopping online.

How to apply for a Coastline credit card

You can complete your credit card application by visiting any Coastline branch, where a representative guides you through the entire process. You can also complete an online application, and to do so simply click on the ‘Go to Site’ button next to the credit card of your choice. Establish if you meet the eligibility criteria before you apply, and the eligibility criteria for the Coastline Visa Credit Card are as follows.

Eligibility criteria

  • Age. You are over 18 years old.
  • Residential status. You are a permanent resident of Australia or an Australian citizen.
  • Income. You have a regular source of income through employment.
  • Bankruptcy history. You are not, or have not been, bankrupt.

Required documents

To complete the application you have to provide certain information that Coastline uses to verify your identity and establish the risk of providing you credit. Keep the following information handy when you start with the application.

  • Personal details. This section requires your name, phone number, residential address, email address, residential status, marital status, and number of dependents.
  • Employment details. Prepare to part with the name and contact details of your employer along with your employment status.
  • Financial information. Your financial information includes details about your income, assets, expenses, and liabilities. Here, you have to provide details about income from all sources; details about assets like real estate, vehicles, and jewellery; expenses like rent, tuition fees, and utility bills; and liabilities like home loans, personal loans, and credit cards.

What happens next?

Once you submit your application Coastline reviews it and if it requires any additional information it gets in touch with you. Since Coastline calls your employer for income verification, you can quicken the process by informing your human resource department in advance.

Australian regulations require that new Coastline members go through an identity verification process, and you have to complete this before you get your new credit card. This might involve a trip to Coastline branch.

Frequently asked questions

A number of questions appear frequently when it comes to Coastline credit cards and here are answers to the same. If you have a question that doesn’t find mention here, do use the form at the end of the page to ask.

No, with access to all the required information you can complete the online application in a matter of minutes. Besides, you can also save a partially completed application and retrieve it later. If you are an existing Coastline member you can quicken the process by accessing the application via internet banking, as doing so pre-populates some of the information.

You can check the status of your credit card application by calling the Coastline contact centre at 1300 36 1066.

No, as a Coastline credit card holder you get free membership to the Rewarder program.

You can log into the Rewarder website to find out how many points you have and to view your points’ history. You can also call the Coastline contact centre or refer to your credit card statement.

You get a Rewarder card along with your Coastline credit card, and this is where all your reward points accumulate. Your Rewarder card comes activated, and you can use it at any Australian merchant that accepts EFTPOS payments.

While you use your Rewarder points to make purchases, they’re not the same as cash because you can’t withdraw your reward points using ATMs or cash out facilities.

When you make an eligible purchase, the reward points transfer into your Rewarder account almost immediately, and once these points are in your account you are free to use them as and when you like.

You can make payments using just about any Australian bank account, either via cheque or through electronic funds transfer. If you wish to pay by cheque you can mail it in or drop it off at a branch. You can also pay via BPAY.

Yes, both Coastline credit cards come with the same purchase and cash advance rate. Bear in mind, though, that cash advances attract cash advance fees.

To report a lost or stolen credit card you should call Coastline’s toll free number immediately. The number is 1800 621 199. An alternate number to call is (02) 9959 7686, and if you’re calling from overseas you should call 00 61 2 9959 7686.

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ANZ Platinum Credit Card - Exclusive Offer
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St.George Vertigo Platinum
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