Illawarra Credit Union credit cards

Compare Illawarra Credit Union's credit cards.

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Richard Whitten

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Key takeaways

  • Illawarra Credit Union is a NSW-based credit union established in the Illawarra region in 1972.
  • In 2025 Illawarra Credit Union merged with Community First Credit Union.
  • Illawarra Credit Union offers low rate credit cards and a no-interest card with a monthly fee.

Compare Illawarra Credit Union credit cards

Updated regularly
Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Illawarra Credit Union Low Rate Blue Credit Card image
Illawarra Credit Union Low Rate Blue Credit Card
Purchase rate p.a.
8.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months
with 0% balance transfer fee
Annual fee
$50
Offers a 0% p.a. balance transfer rate for 12 months and donates half of the card's annual fee to the Prostate Cancer Foundation.
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Illawarra Credit Union n0w Credit Card image
Illawarra Credit Union n0w Credit Card
Purchase rate p.a.
0%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Balance transfer rate p.a.
N/A
Annual fee
$0
0% interest, monthly fee based on your credit limit.
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Illawarra Credit Union Low Rate Credit Card image
Illawarra Credit Union Low Rate Credit Card
Purchase rate p.a.
8.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months
with 0% balance transfer fee
Annual fee
$50
Save with a 0% balance transfer offer for 12 months, plus an ongoing 8.99% p.a. interest on purchases and cash advances.
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Illawarra Credit Union Low Rate Pink Credit Card image
Illawarra Credit Union Low Rate Pink Credit Card
Purchase rate p.a.
8.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months
with 0% balance transfer fee
Annual fee
$50
Offers a 0% p.a. balance transfer rate for 12 months and donates 50% of the card's annual fee to the McGrath Foundation.

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Benefits of getting a credit card with Illawarra Credit Union

Low rate cards

Illawarra Credit Union's Low Rate Credit Card offers a very low purchase rate, plus interest-free days.

Cards with charity support

Illawarra Credit Union has pink and blue versions of its low rate credit card. With the Low Rate Blue card, half the annual fee goes to supporting the Prostate Cancer Foundation of Australia.

With the Low Rate Pink Credit Card half the annual fee goes to fund cancer nurses through the McGrath Foundation.

Balance transfers

Illawarra's low rate cards also let new customers transfer existing credit card balances onto a low rate credit card with a special balance transfer offer.

Interest-free option

The N0w credit card is a no-interest credit card that charges a monthly fee instead of interest. And if you keep your balance at $0 in a month you can avoid the fee.

Cardless pay

You can add an Illawarra Credit Union card to your digital wallet and make cardless payments via Google Pay, Apple Pay and Samsung Pay.

How to apply for a Illawarra Credit Union credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age, and you'll need to meet minimum income requirements (which vary depending on the card).

For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Sources

Richard Whitten's headshot
Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 687 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips
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