In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates and fees
  • Your reviews
  • Ask a question
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Credit Union SA Education Community credit card

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Credit Union SA Education Community Credit Card
Terms and conditions apply
Balance transfer rate for 6 months with no balance transfer fee
0% p.a.
Purchase rate for the first 6 months (reverts to 11.49%)
0% p.a.
Annual fee
$0 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Enjoy a $0 annual fee, 0% introductory rate for 6 months on this low-cost card for education students and workers in SA.

The Credit Union SA Education Community credit card is a low-cost Visa that’s only available for people working in the education community or studying to do so. If you get this card, you’ll pay no interest on purchases, balance transfers or cash advances for the first 6 months, which could help you save on interest charges if you have big-ticket items to buy.

Pros

  • Ongoing $0 annual fee
  • 0% p.a. interest on purchases, balance transfers and cash advances for 6 months (reverts to 11.49% p.a.)
  • Compatible with Google Pay, Apple Pay, Samsung Pay

Cons

  • No rewards program

In this guide

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

The Credit Union SA Education Community credit card offers an introductory 0% p.a. interest rate for purchases, balance transfers and cash advances for the first 6 months. This reverts to a low variable rate of 11.49% p.a. for all transactions.

Details

Product details

Product Name Credit Union SA Education Community Credit Card
Balance transfer rate p.a. 0% for 6 months, then 11.49%
Purchase rate p.a.
0% for 6 months, then 11.49%
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 11.49%
Min credit limit $1,000
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee
$0
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Foreign currency conversion fee
3%
Overseas ATM withdrawal fee $0

How to apply

You can apply for the Credit Union SA Education Community credit card online by filling in a secure application form. You can also apply by visiting the Adelaide branch (400 King William St) or by calling 13 8777 from metro areas or 1800 018 227 from country SA.

To get started, make sure you meet the following eligibility criteria and have all the documents and details you need to complete the application.

Eligibility criteria

  • Education worker or student. To get this card, you must be employed in the South Australian education sector or be studying to work in education in SA.
  • Australian residency status. You must be an Australian citizen or permanent resident.

Card benefits

  • 0% p.a. for 6 months. The Credit Union SA Education Community credit card offers an introductory interest-free period for the first 6 months. This 0% p.a. rate applies to purchases, balance transfers and cash advances made during the introductory period. Any balance left over at the end of this period will attract the card's variable rate of 11.49% p.a.
  • $0 annual fee. This card gives you no annual fee for life, which can help keep your credit card costs down.

Rates and fees

  • Interest rates. Outside of any promotion, this card has an ongoing variable interest rate of 11.49% p.a., which is competitive with other low rate cards.
  • Currency conversion fee. A fee of 3% applies for transactions made overseas or online in a foreign currency.

Your reviews

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Amy Finder

Editor

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Ian Short

December 02, 2023

Retired for a number of years & receive an annual fully indexed State Govt pension as well as a part Centrelink pension. My wife also enjoys the same Centrelink pension. We have bank funds, a fully unencumbered home with no liabilities . I have a Mastercard in my name on which my wife (signatory) uses frequently. Because of my age (mid 80’s) think it necessary to obtain a credit card in her name solely, as in the event of my death my Mastercard will be frozen/stopped which will necessitate unnecessary problems/delays. Any suggestions??


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Amy Bradney-George Finder

December 04, 2023

Hi Ian,

Please be aware Finder only provides general advice and factual information. For this type of situation, it may be worth contacting the bank or lender that you and your wife currently have a relationship with to find out if they have any options available. Finder also has a guide on credit cards for pensioners which may provide further insights and options to consider. I hope this helps.


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Cecilia

October 11, 2023

Is this the best card for a senior


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Amy Bradney-George Finder

October 27, 2023

Hi Cecilia,

There isn’t a single best credit card for seniors because everyone has different circumstances. But features such as low rates, low or $0 annual fees and low credit limits may make it easier to manage a card and avoid high costs or debt. If you want to compare a wider range of cards, Finder has a guide to credit cards for retirees that may be useful. You could also contact Credit Union SA if you have questions about this particular card. I hope this helps.


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