In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Credit Union SA Visa Credit Card

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Credit Union SA Visa Credit card
Terms and conditions apply
Balance transfer rate for 6 months with no balance transfer fee
0% p.a.
Purchase rate
11.99% p.a.
Annual fee
$59 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers 0% interest on balance transfers for 6 months, with a 11.99% p.a. variable interest rate after that.

The Credit Union SA Visa has simple, low-cost features – including a $59 annual fee and 11.99% p.a. variable interest rate for purchases and cash advances. In comparison, some other low rate cards charge a different, higher cash advance interest rate. The current 0% balance transfers offer gives you 6 months to repay existing debt interest-free. This is one of the shortest balance transfer offers on the market but is available at any time once you have the card.

Pros

  • 0% p.a. on balance transfers for 6 months
  • Same low interest rate of 11.99% p.a. on purchases and cash advances
  • $0 annual fee when linked to a Home Loan Package

Cons

  • Charges a 3% foreign transaction fee
  • No rewards program

In this guide

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

The Credit Union SA Visa Credit Card offers worldwide acceptance through the Visa network and can be added to digital wallets including Apple Pay, Google Pay and Samsung Pay. It also offers up to 55 days interest-free on purchases if you pay the total closing balance listed on each statement by the due date. And if you have a Credit Union SA Home Loan Package, this card's annual fee will be waived.

Details

Product details

Product Name Credit Union SA Visa Credit card
Balance transfer rate p.a. 0% for 6 months, then 11.99%
Purchase rate p.a.
Purchase rate p.a.
11.99%
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 11.99%
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
Annual fee
$59
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee
Foreign currency conversion fee
3%
Overseas ATM withdrawal fee $0

How to apply

You can apply for the Credit Union SA Visa Credit Card by filling in a secure application form on the bank's website. Or, call the bank on (08) 8202 7777. Get started by checking that you meet the eligibility criteria and have the details and documents you need for the application.

Eligibility criteria

  • Income. You must receive a regular income.
  • Residency. You must be an Australian citizen or permanent resident.

Card benefits

  • Balance transfer offer. You can transfer an existing debt to this card and save with a 0% balance transfer interest rate for 6 months. Unlike some balance transfer offers, this one does not charge a balance transfer fee and is available at any time from when you open the account. At the end of the introductory period, any remaining balance transfer amount will attract the 11.99% p.a. variable interest rate.
  • Digital wallets. The Credit Union SA Visa Credit Card can be added to Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay so you can make payments straight from your mobile phone or device.

Rates & fees

  • Annual fee. The $59 annual fee on this card is similar to other basic low rate cards. The annual fee is also waived if you have a Credit Union SA Home Loan Package.
  • Interest rate. This card has the same 11.99% p.a. variable interest rate for purchases and cash advances. This is competitive with other low rate cards that typically have rates around 8% to 15%.

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Amy Finder

Editor

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