
Get exclusive money-saving offers and guides
Straight to your inbox
Updated
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
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 the Unity Bank Visa Card.
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.
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.
Getting a credit card through the Unity Bank comes with a number of benefits, and here’s what you can expect.
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.
Apply before a given date and look forward to a $0 annual fee for the first year. If you have the All in One Home Loan with Unity Bank, the annual fee does not apply at all.
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.
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.
Unity Bank offers compatibility with all 3 major digital wallets: Google Pay, Samsung Pay and Apple Pay, which allows you to make contactless payments with your eligible smartphone or wearable device at the checkout.
You can apply for a Unity Bank credit card by visiting a branch or you can request a callback from a 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.
After you submit your application you receive a reference number that you can use to track your application, and a 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 a Unity Bank branch.
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.
Image: Unity Bank
Back to topA no fuss credit card which offers a low introductory rate for 6 months and no annual fee for the first year.