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My Credit Union Credit Cards

Save on costs with a My Credit Union credit card that offers low rates and fees.

My Credit Union, also known as MYCU, offers a Visa credit card with a low variable interest rate of 7.99% p.a. on purchases. It also offers a promotional balance transfer rate, competitive annual fee and up to 55 days interest-free on purchases when you pay the balance in full by the due date on each statement.

Use this guide to compare the features and costs of My Credit Union credit cards. We also look at the features and benefits you’ll get as an MYCU member and how you can apply for a credit card from this credit union.

My Credit Union credit cards no longer offered

My Credit Union is not offering a credit card product at this time. This information has been kept for historical purposes and for those who already have a credit card product.

Types of credit cards from My Credit Union

  • Low rate credit cards

The My Credit Union Low Rate Visa offers a standard variable interest rate of 7.99% p.a. on purchases and 11.99% p.a. on cash advances. It also has a competitive annual fee of $59 and a promotional balance transfer rate for new customers with debt from non-MYCU credit or store cards

Benefits of banking with My Credit Union

Here are the features you can enjoy with a MYCU credit card:

  • Balance transfers

If you have debt on a credit card or store card that’s issued by another provider, you can request a balance transfer to a My Credit Union credit card and enjoy a promotional rate of 4.99% p.a. for the first 6 months. After the introductory period, the standard variable purchase rate will apply for any debt remaining from the balance transfer.

  • Online and mobile banking

Check your balance, make payments and update your details on-the-go with MYCU Internet banking or the mobile banking app. The MYCU Mobile App also lets you make payments directly from your phone, thanks to Visa payWave functionality.

  • Security

If you misplace your card, you can temporarily block it through the MYCU mobile banking app. If your card has been lost or stolen, you can call your local My Credit Union branch during office hours, or call 1 800 648 027 any other time. You’ll also have access to emergency card replacement services, the 24/7 Visa Global Customer Assistance service when you go overseas and Visa’s zero liability policy against fraudulent transactions.

  • Visa benefits

You can use a My Credit Union credit card in-store, over the phone and online anywhere Visa is accepted. You can also enjoy the convenience of tap-and-go payments with your card or compatible mobile device and get exclusive ticket and lifestyle offers through Visa Entertainment.


My Credit Union provides a low-cost credit card with simple features. As this small credit union is based in NSW and only has five branches, you may want to compare other credit union or low rate credit cards to find one that suits your needs.

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Credit Cards Comparison

Rates last updated February 18th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
0% p.a. for 22 months on balance transfers with no BT fee. Plus, a yearly annual fee refund when you spend $6,000 and 2 lounge passes per year.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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