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Credit Union SA Credit Cards

Credit Union SA offers two different credit cards with low-cost features and mobile payments. Learn more about them here.

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Credit Union SA

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If you're a member of Credit Union SA, or want to become one, you have a choice of two different credit cards: a low rate Visa anyone can apply for and an Education Community credit card designed especially for South Australian residents who are studying education or working in the education sector. You can use this guide to learn more about these credit cards, as well as key features you'll get when you bank with Credit Union SA.

Comparison of Credit Union SA Credit Cards

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Credit Union SA Visa Credit card
10.49% p.a.
Up to 55 days on purchases
$39
0% p.a. for 6 months
Receive up to 55 days interest-free on purchases and $0 overseas ATM withdrawal fees, plus Verified by Visa for online purchases.
Credit Union SA Education Community Credit Card
0% for 6 months, reverts to 9.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 6 months
Save with an ongoing $0 annual fee and 0% interest on purchases, balance transfers and cash advances.
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Types of Credit Union SA credit cards

  • Low rate cards

Both Credit Union SA credit cards are low rate options. The Credit Union SA Visa has a 10.49% p.a. interest rate for purchases and cash advances, plus an introductory balance transfer offer. It has a $39 annual fee that you can get waived if the card is linked to a home loan package. You can learn more about Credit Union SA home loans in this guide.

The Credit Union SA Education Community credit card also offers a 6-month introductory interest rate offer that applies to balance transfers, as well as purchases and cash advances. At the end of the introductory period, the variable interest rate on this card is a low 9.99% p.a.

  • No annual fee cards

The Credit Union SA Education Community credit card has no annual fee for life, as well as a low interest rate and interest-free days on purchases. This card is only available for workers in the education sector or people studying to work in education.

The benefits of banking with Credit Union SA

If you choose a credit card from Credit Union SA, some of the key banking features you can get include:

  • Education community banking benefits

If you work in South Australia's education sector, or are studying to work in education, you can access a range of specialised accounts and offers through Credit Union SA. This includes the Education Community credit card, car loan and personal loan. Credit Union SA also puts profits towards education associations, awards and charitable organisations including SALA (South Australian Living Artists Festival) for Schools and the SA Public Education Awards.

  • Home loan package options

The Credit Union SA Home Loan Package bundles together different accounts. If you get the Credit Union SA Visa credit card through this package, you'll pay no annual fee on the account. If you also get an offset account as part of your home loan package, you could use your credit card for everyday spending to help save money on your mortgage – here's a guide to how it works.

  • Mobile payments

If you use Apple Pay, Google Pay, Samsung Pay, Fitbit Pay or Garmin Pay, you can add a Credit Union SA credit card and make payments straight from your mobile device.

  • Visa benefits

Make payments online, in person or over the phone with businesses around the world, wherever you see the Visa logo. You'll also get an added layer of protection when you shop online with Visa Secure's authentication process, plus exclusive shopping, dining, entertainment and travel deals through Visa Offers + Perks.

  • Security

This card comes with Visa's Zero Liability policy for fraudulent transactions, which means you won't have to cover the cost of unauthorised transactions. It also offers 24/7 card monitoring and the option to temporarily lock your card if you can't find it.

  • Internet and mobile banking

You can check your balance and manage account details at any time through the Credit Union SA Internet banking service or mobile banking app.

How to apply for a Credit Union SA credit card

You can apply for a Credit Union SA credit card online by filling in a secure application form on the credit union's website. You can also apply by visiting the branch in Adelaide (400 King William St) or by calling Credit Union SA on (08) 8202 7777 (metro) or 1800 018 227 (country SA).

To get started, make sure you meet the eligibility criteria and have all the documents and details you'll need on hand.

Eligibility criteria

  • Age. You must be at least 18 years old.
  • Residency status. You must be an Australian permanent resident or citizen
  • Income. You must have a regular source of income.

Documents and details

  • Personal details. This includes your full name, date of birth, residential address, email address, phone number and marital status. You also need to provide a valid form of ID, such as your driver's licence, passport or Medicare details.
  • Employment details. As well as your salary, you'll need to provide details of your current role, length of employment and your employer's contact details. You may also need to provide recent payslips, bank statements or other documents that help verify this information.
  • Financial details. This covers any other forms of income, savings, investments or other assets, as well as existing debts, cards or loans. You also need to estimate your share of regular household expenses such as mortgage payments, rent, bills and groceries.

If you have any questions about the application process, or want to check on the status after submitting it, you can call Credit Union SA on (08) 8202 7777 (metro) or 1800 018 227 (country SA), or fill in a general enquiry form on the website.

Frequently asked questions

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2 Responses

  1. Default Gravatar
    VictoriaFebruary 22, 2016

    How many days interest free does this card offer?

    • Avatarfinder Customer Care
      SharonFebruary 22, 2016Staff

      Hi Victoria, thanks for your question.

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

      Cheers,

      Sharon

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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