Nova Credit Union Credit Cards

Types of credit cards that Nova Credit Union offers

When you use a Nova Credit Union credit card you can take heart in knowing that your card’s annual fee goes towards a worthwhile cause.

• Low rate credit cards

The main draw of a low rate credit card, without doubt, is the low interest rate that it charges. Nova Credit Union supports the Hunter Breast Cancer Foundation (HBCF), and its HBCF Visa Credit Card is testimony to the same. This credit card works like a conventional Visa credit card, giving you easy access to funds, and its gives you the ability to avail of up to 55 interest free days on purchases. It also comes with a special balance transfer offer.
Learn more about low rate credit cards

Benefits of getting a Nova Credit Union credit card

The HBCF Visa Credit Card manages to charge a low interest rate because it does not offer extras like rewards and complimentary insurances, and you can still expect to reap certain benefits.

• Support HBCF

HBCF, a Hunter based non-profit organisation, raises money to increase awareness and provide support to individuals diagnosed with, or receiving treatment for, breast cancer, as well as their family members. All the money this organisation raises goes to supporting affected families within the Newcastle and Hunter Region only. Nova Credit Union donates the entire annual fee you pay towards your HBCF Visa Credit Card to HBCF.

• Global acceptance

More than 22 million merchants the world over accept Visa credit cards, so you can use this card with just about anywhere. You can use any ATM that displays the Visa logo to withdraw money, again, anywhere in the world. Besides, you can use this Visa credit card to make in-store, online, and over-the-phone purchases.

• Secure

The HBCF Visa Credit Card comes with an embedded microchip, which offers considerably more protection than previously common magnetic strips, decreasing the likelihood of fraudulent usage. A fraud monitoring service keeps track of irregular transactions, and notifies you of the same immediately. ‘Verified by Visa’ technology offers another layer of protection when you use this card for online shopping.

• Balance transfers

This credit card comes with a 0% p.a. interest for balance transfers, and this rate applies for the first 6 months. You can transfer any amount up to your card’s credit limit, and the balances transfer in the order you list them in your application. The minimum you can transfer is $500.

• Mobile payments

You can now link your Nova Credit Union card to Apple Pay or Google Pay to make contactless payments using your eligible mobile phone or device.

Frequently asked questions

Here, you’ll find answers to some of the most commonly asked questions about Nova Credit Union credit cards, and you can ask your own question by using the form at the bottom of this page.

• Can I get a card for an additional cardholder?

  You can ask for an additional card for any individual who is over 18 years of age. This additional card links to your primary account, and you remain liable to repay all charges made using the additional card.

• What is the minimum credit limit and can I ask for an increase?

  The minimum credit limit of the HBCF Visa Credit Card is $1,000. You can ask Nova Credit Union to increase your credit card’s limit temporarily or permanently, but there is no guaranty that it will agree to your request.

• How can I make repayments?

  You can set up automatic repayments through a Nova Credit Union savings or transaction account, and you can also use the online or phone banking service. You can transfer funds electronically using just about any Australian savings or access account, and you also have the option of mailing in cheques.

• Is the interest rate for purchases the same as the cash advance interest rate?

  No, the cash advance interest rate is more than the purchase interest rate.

• What do I do if I lose my card?

  To report a lost or stolen HBCF Visa Credit Card during business hours you should call Nova Credit Union on (02) 4926 1428. Outside business hours you should call the Visa hotline on 1800 621 199. If you make an after hour call to Visa make sure you call Nova Credit Union at a later time to request for a replacement card.

• Can I cancel my account?

  You can close your credit card account by submitting a written request, and even after the account closes you remain liable to repay any outstanding amount listed on your account before the account’s closure.