Credit Union SA Credit Cards

Who else wants Credit Union SA’s low rate Visa credit card that comes with a range of benefits?

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Credit Union SA has served the South Australian community for over five decades, and like other credit unions, it uses its profits to offers members competitive interest rates, low fees, and personalised service. It serves it members through various branches around Adelaide, a team of mobile managers, internet banking, and phone banking.

Financial services and products that Credit Union SA offers include transaction accounts, savings accounts, home loans, car loans, personal loans, insurance solutions, and credit cards.

Comparison of Credit Union SA Credit Cards

Rates last updated September 22nd, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Credit Union SA Visa Credit card
10.49% p.a.
0% p.a. for 6 months
$39 p.a.
Receive up to 55 days interest-free on purchases and $0 overseas ATM withdrawal fees, plus Verified by Visa for online purchases.

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Types of credit cards that Credit Union SA offers

Credit Union SA offers a basic no-frills credit card with a Visa connection, owing to which you can use it the world over. This is the only type of credit card that this credit union offers as of now.

  • Low rate cards

    With this card you can get up to 55 interest free days, but these apply only to purchases.

Learn more about Low Rate Credit Cards

The benefits of banking with Credit Union SA

Getting a Credit Union SA credit card gives you more than just a competitive interest rate to look forward to, and here are details of what more you can expect.

  • Low fee structure

If you have the home loan package with Credit Union SA, you don’t have to pay the annual fee. In addition, Credit Union SA doesn’t charge any cash advance fees, direct debit fees, and domestic or overseas ATM withdrawal fees.

  • Visa benefits

Millions of merchants all over the world accept Visa payments, and you can also use ATMs globally. Different safety features are in place for account security, which include 24/7 fraud monitoring, microchip technology, and Visa’s Zero Liability policy. Verified by Visa is in place to make online shopping more secure. You can access Visa Entertainment, which brings to the fore the latest in entertainment offers, like pre-sale concert tickets. Your Credit Union SA credit card also comes with Visa payWave technology, allowing you to make contactless purchases of less than $100 at merchants who have payWave terminals.

  • Easy access to information

Irrespective of the kind of information you need about your Credit Union SA credit card, you can get it using different means. You can use the phone banking service to speak to a Credit Union SA representative, you can turn to the internet banking service from any internet enabled computer, or you can download the Credit Union SA smartphone app for Android or iOS.

  • Pay bills via BPAY

If you wish to use your Credit Union SA credit card to make bill payments through BPAY you can do so via phone, online, or mobile banking. This service allows you to make one-off payments, and you can also use it to make recurring payments scheduled in accordance to your liking.

How to apply for a Credit Union SA credit card

You can apply for a Credit Union SA credit card by visiting any of their branches, you can call their member contact centre, you can download and complete the application, and existing members can access the application via its internet banking platform. To complete their online contact form simply click on the ‘Go to Site’ button located next to the credit card’s description.

Eligibility criteria

  • You are at least 18 years old.
  • You are a permanent resident of Australia.
  • You have good creditworthiness.
  • You have a regular source of income.

As part of the application process you’ll have to furnish certain personal, employment related, and financial information, so keep the flowing handy.

Required documents

  • Personal. You’ll have to provide your complete name, driver’s license number, date of birth, marital status, residential address, email address, and phone number.
  • Employment. This section requires your employer’s name and address along with employment terms and income details.
  • Financial. Here, you have to provide details about assets like real estate, motor vehicles, savings, investments, and shares, as well as details about liabilities like rent, mortgage, personal loans, overdrafts, and credit cards.

What happens after submitting the application?

In certain instances Credit Union SA requires additional information, and in such a scenario you can expect a Credit Union SA rep to contact you. If you’re employed you can let your payroll department know of the imminent income verification phone call, as this can help quicken the process. New Credit Union SA members have to go through a legally required identity verification process, and this might involve visiting a branch.

Frequently asked questions

People who wish to apply for Credit Union SA credit cards tend to have some questions in common, and here are answers to the ones asked frequently.

If you begin with all the required information close at hand, the process should not take more than 10 to 15 minutes.
Yes, you can call the Member Contact Centre on 8202 7777 to find out your application’s status.
You can make repayments via electronic funds transfer using a regular Australian bank account. You can make a payment by dropping a cheque at any Credit Union SA branch, or you can mail the cheque. You can also make payments via BPAY.
The minimum credit limit of the Credit Union SA credit card is $1,000. You can request for an increase in your card’s credit limit after six months of account activation, and Credit Union SA does not have to honour your request.
Yes, cash advances attract the same low interest rate as purchases.
Yes, you can, but the additional cardholder should be at least 18 years old and must complete the required identity verification process.
Balance transfer amounts cannot exceed your available credit limit, the minimum you can transfer is $500, and you cannot transfer balances from delinquent accounts.
No.
Yes, you can, and you can find out the payout figure for a given date by contacting the Member Contact Centre or by submitting a written request. This amount can increase if you don’t make the payment by the specified date.
If you wish to report a lost or stolen Credit Union SA credit card during business hours you should call the Credit Union SA head office at 8202 7777. If calling after hours, call 1800 648 027, and in this case you still have to call the head office later to order a replacement.
To cancel your Credit Union SA credit card you have to mail a written request to the postal address mentioned in your credit card statement.
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2 Responses

  1. Default Gravatar
    VictoriaFebruary 22, 2016

    How many days interest free does this card offer?

    • Staff
      SharonFebruary 22, 2016Staff

      Hi Victoria, thanks for your question.

      You can get up to 55 interest free days with this card.

      Cheers,

      Sharon

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