Intech Credit Union Credit Cards

intech-credit-union

Intech Credit Union offers a Visa credit card that gives you easy access to funds as well as a bunch of other benefits.

 Intech Credit Union began operations in the form of IBM Employees Credit Union in 1971. It merged with Telstra Credit Union in 2005, and the origins of the Telstra Credit Union go back to 1962, with its formation as OTC Credit Union. By 2009, Intech Credit Union, incorporating Telstra Credit Union, boasted of more than 9,500 members from Australia and overseas, and had assets in excess of $160 million. This credit union offers its members an array of financial services and products, which include different types of loans, debit and credit cards, deposit accounts, and insurance solutions.

Comparing the Intech Credit Card

Rates last updated December 5th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Intech Credit Union Titanium 55 Credit Card
Receive a low variable interest rate and up to 55 interest free days on purchases.
9.99% p.a. $46 p.a. More info

Types of credit cards Intech offers

Intech members can get a Visa credit card that gives them easy access to their approved credit limit, and they can use this card the world over.

  • Low rate credit cards

    The main attraction of a low rate card is the low interest rate that it offers, although such a card does not come with too many features. Intech’s Titanium Visa Card offers a competitive interest rate, it charges a low annual fee, and you can avail of as many as 55 interest free days on purchases. You can use this credit card for balance transfers, and you can also apply for an additional card.

Rates last updated December 5th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Intech Credit Union Titanium 55 Credit Card
Receive a low variable interest rate and up to 55 interest free days on purchases.
9.99% p.a. $46 p.a. Up to 55 days on purchases More info
Rates last updated December 5th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info

Learn more about low rate credit cards 

Benefits of Intech credit cards

While the Intech Titanium Visa Card is essentially a no-frills credit card, you can still look forward to certain benefits, and here’s what you can expect.

  • Member bonus allowance 

    Using your Titanium credit card contributes to your Intech member bonus allowance and you can accumulate this allowance to compensate for general transaction fees. This gives you an easy means to look forward to reduced fees in the long run.

  • Free services 

    Banking with Intech Credit Union gives you access to a number of services like 24 hour internet and telephone banking, BPAY payments, direct debits, Visa purchases, and deposits at branches or by mail.

  • Balance transfers 

    If paying high interest on existing credit cards is a bother, you can consider transferring their balances to the Titanium Visa Card. You can request for a balance transfer as long as amount does not exceed your available credit limit, you have to transfer at least $500, and the accounts in question should not be delinquent.

  • Visa benefits 

    You can use your Platinum Visa credit card at any EFTPOS terminal or ATM across the world as long as it displays the Visa logo. Your credit card makes use of microchip technology, and this is safer than the previously prevalent magnetic strip. ‘Verified by Visa’ technology offers an additional layer of security when you use your card for shopping online. This card also comes with Visa payWave technology, allowing you to make contactless payments for purchases less than $100.

Applying for an Intech Credit Union credit card

You can apply for an Intech credit card over the phone or by visiting one of its financial service centres in Sydney or Melbourne. You can also apply for this credit card online, and to do so simply click on the ‘Go to Site’ button next to the credit card details. Existing members can complete their application faster if they access the application via Intech’s internet banking platform. Before you apply, consider the following.

  • You should be at least 18 years old
  • You should be a permanent resident of Australia
  • You should not have poor creditworthiness

The application requires that you provide different types of personal, financial, and employment related information, which comprises the following.

  • Personal information. This section requires your name, date of birth, home address,  email address, phone number, driver’s licence number, marital status, and number of dependents.
  • Employment details. Mention your employment status, and provide your employer’s name and contact details.
  • Income details. Provide details of income type, gross and net amount, and frequency.
  • Savings and assets. This section requires details about your properties, vehicles, savings accounts, and other assets.
  • Expenses and liabilities. Here, provide details about liabilities like existing credit cards and loans, and expenses like rent, school fees, and child support.

What happens next?

If Intech requires any additional information after reviewing your application a representative gets in touch with you for the same. Part of the process also requires that Intech make an income verification call to your employer’s payroll department and your informing the payroll department ahead of time can help quicken the process.

If you’re not an existing Intech member and if you wish to move forward with accepting the card you have to become an Intech member, which is a fairly simple and straightforward process. You also have to go through an identity verification process, which is a legal requirement.

Frequently asked questions

Here are answers to questions that people commonly ask about Intech credit cards. If you wish to ask a question, feel free to use the form at the bottom at the page.

How long does the online application take to complete?

Begin with all the required information close at hand and the application should take no more than a few minutes to complete.

How can I check the status of my application?

You can do so by calling 1300 363 007.

Can I get an additional card?

You can ask for an additional card for any individual you nominate, provided that the individual in question is aged over 18 years and undergoes the legally required identity verification process. You are liable for all the transactions that the additional cardholder makes.

Do Intech credit cards come with reward programs?

As of now Intech does not offer any credit card that comes linked to a reward program.

What is the minimum credit limit and can it increase later?

The minimum credit limit of the Platinum Visa Card is $500. You can request for an increase after using your card for a given time period, but you have to meet certain criteria to qualify.

What is the maximum I can withdraw through an ATM?

You can withdraw up to $1,000 per day from ATMs, although this depends on your available limit.

Can I cancel my card?

To close your credit card account you have to submit a written request. All additional cards linked to the primary card stand cancelled when the primary account closes. You remain liable to pay any outstanding balance that remains on the account at the time of account closure.

How do I report a lost or stolen card?

To report a lost or stolen card call the Visa hotline immediately on 1800 648 027. Then, call Intech on 1300 363 007 to arrange for a replacement.

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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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