Coastline Credit Union Credit Cards

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Name	Product	Purchase rate (p.a.)	Interest Free Period	Annual fee	Balance transfer rate	Balance transfer rate
Coastline Visa Credit		17% p.a.	Up to 55 days on purchases	$75 p.a.	0% p.a. for 6 months	0% p.a. for 6 months	Receive up to 55 days on purchases and get up to 6 months interest-free on balance transfers	More Info	Compare	loading Fetching your data...
Coastline Business Visa Rewarder Credit Card		17% p.a.	Up to 55 days on purchases	$75 p.a.			Enjoy a low interest rate of 17% p.a. on both purchases and cash advances, which are interest-free for up to 55 days.	More Info	Compare	loading Fetching your data...

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What types of credit cards does Coastline Credit Union offer?

• Rewards credit card

The Coastline Visa credit card gives you access to the Rewarder loyalty program and earns 1 loyalty point per $1 spent on eligible purchases (capped at 15,000 points per month).

It also has a 17% p.a. purchase rate and offers up to 55 days interest-free if you pay your balance in full by the due date on each statement. The annual fee for this card is $75 and can be waived if you spend more than $12,000 p.a.

• Business credit card

The Coastline Visa Business Rewarder credit card is also linked to the Rewarder loyalty program and offers 1 point per $1 spent (capped at 15,000 points per month). It has a 17% p.a. purchase interest rate but does not offer interest-free days on purchases. The annual fee for this card is $75, which can be waived if you make more than $20,000 business purchases per annum.

Benefits of banking with Coastline Credit Union

• Rewards program

Coastline Credit Union credit cards offer complimentary membership to the Rewarder Loyalty Program, which gives you a way to use points for your purchases. When you have earned enough points, you just swipe your Rewarder Loyalty Card at an EFTPOS terminal and enter your PIN to pay for some or all of your chosen purchase. As the value of points may vary, you will need to check your Rewarder balance online to see how much value you have to spend. Visit the Rewarder website for more details about this program.

• Waived annual fee options

With the Coastline Visa credit card, you can avoid the $75 annual fee if you spend at least $12,000 per year. With the Coastline Visa Business Rewarder, you can avoid the annual fee by spending at least $20,000 p.a.

• Account access

Check your balance, make payments and manage your account features on-the-go with Coastline Credit Union's Internet and phone banking services.

• Visa benefits

Get access to exclusive ticket, music and movie offers through Visa Entertainment, as well as seasonal travel, dining and retail offers listed on the Visa Australia website.

• Security

Coastline credit cards offer zero liability for fraudulent transactions, a 24-hour phone service for lost or stolen cards and Verified by Visa security features when you shop online.

How to apply for a Coastline credit card

If you want to apply for the Coastline Visa credit card, you can fill in an online application via the credit union's website. Otherwise, you can apply for a Coastline Credit Union card by visiting a branch, with locations in Kempsey, Taree, Crescent Head, Port Macquarie and Southwest Rocks. Alternatively, you can call 1300 36 1066 or fill in a contact form online.

As part of the application process, you'll need to make sure you meet the eligibility requirements and have all the documents and details needed to complete the application.

Eligibility criteria

• Residential status. You must be a citizen or permanent resident of Australia.
• Income. You must currently be in paid employment.
• Bankruptcy history. You must not be bankrupt.
• Age. You must be over 18 years old.

Documents and details you need

• Personal details. This includes your name, phone number, residential address, email address, marital status and number of dependents. You also need a valid form of ID, such as your driver's licence.
• Employment details. This includes your salary, occupation and employer's contact details. If you're self-employed, you may be asked for your accountant's contact details. You may also need to provide proof of income, such as recent payslips or tax assessment notices.
• Financial information. This covers details of any other forms of income and assets, as well as existing debts, loans and regular expenses.

Frequently asked questions

Have a question about Coastline credit cards? Check out these answers to FAQs or leave a comment below and one of the team will help you out.

• Does the online application take long to complete?

  No. With access to all the required information, you can complete the online application in a matter of minutes. You can also save a partially completed application and finish it later.

  If you are an existing Coastline member, you may also be able to speed up the process by accessing the application via Internet banking, which helps fill in some of the essential information.

• How can I check the status of my application?

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

• Does the rewards program attract a fee?

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

• How can I keep track of my reward points?

  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.

• How do I use my Rewarder points?

  You get a Rewarder card along with your Coastline credit card. Your Rewarder card comes with its own PIN and can be used at any Australian merchant that accepts EFTPOS payments – as long as you have enough points to pay for some or all of your purchase.

• Are my Rewarder points the same as cash?

  While you can use Rewarder points to pay for purchases, you can't withdraw cash from your Rewarder card. So it's similar to cash, but not exactly the same.

• How quickly can I access my reward points?

  When you make an eligible purchase, the reward points transfer into your Rewarder account almost immediately. So it's just a matter of collecting enough points for you to use them on purchases.

• How can I make credit card repayments?

  Payment options are listed on your statement and include BPAY, bank transfers and cheque.

• What should I do if I lose my card?

  To report a lost or stolen credit card, call 1800 621 199. If you're calling from overseas, phone +61 2 9959 7686.