Can I apply for a credit union credit card online?

This depends on the credit union you wish to deal with, and you can find a number of credit unions that accept online applications for credit cards.

What eligibility criteria would I have to meet to apply for a credit union credit card?

The eligibility criteria for credit cards can vary, but generally includes the following: You must be at least 18 years of age to apply for a credit card in Australia You must be a citizen or permanent resident of Australia You must have a good credit history You must meet the membership requirements of the credit union For specific information on application requirements, refer to the product page of any credit union credit card you’re interested in. You may also want to visit a specific credit union’s website for more details.

Is there a credit union in Australia with branches in all states and territories?

Most credit unions have small branch networks in comparison to banks. But some may allow you to bank in partner branches, or offer other services. Refer to individual credit union websites for details of their branch networks and access options.

Are credit unions regulated in the same way as banks?

Yes, both credit unions and building societies are accountable under the same regulations and laws as banks in Australia. All credit unions must have an Australian Financial Services Licence (AFSL) to be able to provide financial services and products. The Australian Prudential Regulation Authority (APRA) monitors the functioning of both credit unions and banks.