Unity Bank Credit Cards

unity-bank-provider-logo-200x100Apart from giving you easy access to funds, the Unity Bank Visa credit card comes with a special introductory interest rate.

Formerly known as Maritime, Mining & Power Credit Union (MMPCU), Unity Bank Limited began operations in 1970, in the form of Maritime Workers of Australia Credit Union. Its current name came into effect in 2008, after a merger with Power Credit Union. While this credit union previously offered its services only to maritime industry employees and their family members, over time it accepted members from mining and power industries as well as local communities. In 2010, Gosford City Credit Union and Reliance Bank is a division of Unity Bank Limited. This credit union offers its members an array of financial services and products, which include a Visa credit card.

Comparing the Unity Bank Credit Card

Rates last updated May 30th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
 Unity Bank Visa Card
No annual fee for the first year and a low introductory rate for the first 6 months.
7.99% p.a. for 6 months (reverts to 10.12% p.a.) 7.99% p.a. for 6 months $0 p.a. annual fee for the first year ($60 p.a. thereafter) More info

Types of credit cards that Unity Bank offers

Unity Bank offers a credit card that gives you easy access to funds and flexible repayment options, and while this is the only card that this credit union offers, it comes with a number of useful features.

  • Low rate credit cards

A low rate card, in addition to a low interest rate, can offer other features, although these tend to vary from one card to the next. The Visa credit card that you can get through Unity Bank charges the same low rate for purchases and cash advances and this is not something you find with most credit cards. This card comes with an introductory rate, and you don’t have to pay an annual fee in the first year. You can also look forward to as many as 55 interest free days on purchases.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
 Unity Bank Visa Card
7.99% p.a. for 6 months (reverts to 10.12% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($60 p.a. thereafter)
7.99% p.a. for 6 months
No annual fee for the first year and a low introductory rate for the first 6 months.

Compare up to 4 providers

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Enjoy exclusive offers with the home&Away Privilege Program, and the ability to pay with Apple Pay.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Receive exclusive ticket and lifestyle offers through Visa Entertainment and the security of Falcon Fraud protection.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Features platinum insurance covers including Extended Warranty, Price Guarantee and Purchase Cover Insurance.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Offers a long term balance transfer rate of 0% for 24 months and up to $25 off your first Uber ride.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic low fee, low ongoing rate card that calculates interest from the monthly statement date.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Includes four complimentary travel insurances, concierge service and complimentary purchase insurance covers.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Get peace of mind with ANZ Falcon security protection and Mastercard's Zero Liability Guarantee.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Take advantage of overseas travel insurance, purchase cover insurance, price guarantee cover and extended warranties.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Gain access to Visa Global Customer Assistance Services and add an additional cardholder at no cost.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn 1.00 Membership Rewards point per $1 spent and receive a $50 credit when you meet the eligibility criteria.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Choose to get the protection of CreditShield Edge and enjoy the convenience of Visa PayWave.
Westpac Low Rate Card
0% p.a. for 6 months (reverts to 13.49% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 12 months
Get an additional cardholder at no extra cost and take advantage of Visa PayWave and Samsung Pay.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Add one additional cardholder at no extra cost and enjoy the protection of secure shopping and fraud monitoring.

Compare up to 4 providers

Learn more about Low Rate Credit Cards

Benefits of Unity Bank credit cards

Getting a credit card through the Unity Bank comes with a number of benefits, and here’s what you can expect.

  • Interest free days with a difference

With most credit cards you have to pay your balances in full each month to avail of interest free days on purchases, but the Unity Bank credit card works differently. With this card, your outstanding amount notwithstanding, you get up to 55 interest free days on all purchases.

  • Annual fee waiver

Apply before a given date and look forward to a waiver of the first year’s annual fee. If you have the All in One Home Loan with Unity Bank, the annual fee does not apply at all.

  • Introductory rate

This low rate card offers an even lower introductory rate that stays in place for the first six months. While this introductory rate applies on purchases, you can also use it to transfer balances from existing credit cards and store cards.

  • Global access

More than 24 million merchants in around 220 countries accept Visa as a form of payment so you can use your Visa credit card just about anywhere. You can use any ATM that displays the Visa logo to withdraw cash. Your card also gives you the convenience to make online and phone transactions, whether it’s to shop or to pay bills.

How to apply for an Unity Bank credit card

You can apply for an Unity Bank credit card by visiting a branch or you can request a callback from an Unity Bank specialist. You have the option to download an application and you can also complete one online. To get started with an online application, simply click on the ‘Go to Site’ button located next to the credit card’s details. Before you begin with the application, establish that you meet the following eligibility criteria.

Application criteria

  • You are aged over 18 years
  • You are an Australian citizen or a permanent resident of Australia
  • You have good credit history
  • You have a steady source of income

Required documents

  • Personal details. These include your complete name, date of birth, marital status, number of dependents, and driver’s license number.
  • Contact details. These include your home address, email address, phone number, and the most convenient time to call.
  • Employment details. This section requires you to enter your occupation, employment status, employer’s name, employment address, and length of employment.
  • Income. Provide details of income from all sources.
  • Monthly expenses. Provide details about rent, mortgage payments, loan payments, credit card payments, and other ongoing expenses for food, bills, transportation, and so on.
  • Assets. Assets include equity in home, vehicles, household goods, savings, term deposits, and superannuation.

What happens after submitting an application?

After you submit your application you receive a reference number that you can use to track your application, and an Unity Bank rep should contact you within 48 hours. Unity Bank, in all likelihood, would call your employer to carry out a routine income verification process.

Upon approval, if you’re not an existing Unity Bank member you’ll have to become one before receiving your card. You’ll also have to complete an identity verification process, as mandated by the Australian government, and this might require you to visit an Unity Bank branch.

Frequently asked questions

Given below are answers to questions that people commonly ask about Unity Bank credit cards. You can use the form at the end of the page to ask a question.

The application should take around 10 minutes to complete, but it requires that you have access to different kinds of information. You can save your application in between and access it using your email address and a PIN.

You get a reference number after submitting your application, and you can use this number to track the progress of your application.

You can apply for an additional card and there is no additional card fee.

The minimum credit limit of this card is $1,000 and the maximum is $30,000. While you can submit an application for an increase in your card’s limit, you have to meet certain criteria to qualify, and there is no guarantee of approval.

The introductory rate applies to all purchases you make within six months from the date of your card’s approval, and at the end of this period any outstanding balance starts attracting the card’s standard variable rate.

You can set up automatic payments linked directly to your payroll, and you have the option of setting up direct debits using a transaction or savings account. You can transfer funds via online or phone banking. Other options include making payments at Unity Bank branches or National Australia Bank branches, and you can also make payments via giroPost.

Unity Bank credit cards don’t come linked to any kind of a rewards program.

To report a lost or stolen card within business hours you should call Unity Bank on 1300 36 2000. If you’re calling after hours, call the Visa toll free number on 1800 450 346.

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ANZ Platinum Credit Card - Exclusive Offer
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St.George Vertigo Platinum
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