Nova Credit Union Credit Cards

Nova-CU-Logo

Use the Nova Credit Union credit card globally, and do your bit in supporting the fight against breast cancer.

Hunter Water Board Employees Credit Union began operations in 1964, and it got its current name, Nova Credit Union, after a merger with Newcastle Herald Employees Credit Union. This credit union primarily services the Hunter community but its membership is open to all. It offers an array of financial services and products, which include savings accounts, term deposits, home loans, car loans, personal loans, credit cards, insurance solutions, and financial planning advice.

Comparing the Nova Credit Union Credit Card

Rates last updated September 22nd, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Nova CU HBCF Visa Credit Card
11.99% p.a.
0% p.a. for 6 months
$59 p.a.
Receive up to interest-free days on purchases with this card that supports the Hunter Breast Cancer Foundation.

Compare up to 4 providers

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.

Applying for a Nova Credit Union credit card

You can apply for Nova Credit Union credit card by visiting the Nova Credit Union office in Newcastle. You can also apply by downloading an application, completing it, and then sending it across via email, regular mail, or fax. Before you start with the application ensure that you meet the following eligibility criteria.

  • You’re at least 18 years old
  • You’re a permanent resident of Australia
  • You earn at least $30,000 p.a. (before tax)

You have to provide a variety of personal, work related, and financial information to complete your application.

  • Personal. Provide your complete name, contact details, marital status, and number of dependants.
  • Work. This section requires your job status as well as your employer’s name and contact details.
  • Financial. Financial information includes details surrounding income, expenditure, assets, and liabilities.

You have to submit the following along with your application.

  • Employed individuals should submit last two payslips
  • Self-employed individuals should submit tax returns and financial statements for last two years
  • Retired individuals and pensioners should provide other evidence of income
  • You also have to submit statements for existing liabilities like loans and credit cards

What happens next?

Once you submit your application a Nova Credit Union representative might contact you for more information. You can also expect an income verification phone call to go to your employer. If you’re not an existing Nova Credit Union member you’ll have to become a member before getting your credit card. You would also have to go through a legally mandated identity verification process.

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.

While you cannot submit an online application through the Nova Credit Union website, you can download an application and email it to admin@novacu.com.au. You can also fax it to (02) 4929 4751.

If you keep all the required information close at hand you can complete the application in around 10 minutes.

To do this, simply call (02) 4926 1428.

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.

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.

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.

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

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.

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.

Back to top
Back to top

Read more on this topic

NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
Qantas American Express Ultimate Card
Qantas American Express Ultimate Card

Interest rate

20.74

Annual fee

450
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

Credit Cards Comparison

Rates last updated September 22nd, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Until 1 October 2017, exclusive to finder.com.au, enjoy a no BT fee, balance transfer offer with platinum privileges, including travel insurance.
St.George Vertigo Visa
13.24% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$55 p.a.
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.

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.

Ask a question
feedback