SCU Credit Cards

SCU

If you’re looking for a low rate card that offers global access to funds, SCU might have something for you.

Sydney Credit Union (SCU) began operations in 1963 to serve the banking needs of City of Sydney Council employees. It then went on to offer its services to employees from 12 other councils, and over the years, it has witnessed mergers with Pinnacle Credit Union, Parkes District Credit Union, Prospect Credit Union, Sutherland Shire Council Employees Credit Union, Blue Mountains Credit Union and Karpaty Ukrainian Credit Union. Sydney Credit Union now has branches spread across the Sydney metropolitan area, its suburbs and beyond. It offers its members a range of financial services and products, which include loans, everyday accounts, insurance solutions, and financial planning advice.

Comparing the SCU Credit Card

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
SCU Low Rate Visa Credit Card
Low interest rate credit card plus a low annual fee of $30 p.a.
10.49% p.a. $30 p.a. More info

Types of credit cards that SCU offers

This credit union offers its members a Visa credit card — a basic no-frills credit card that charges a low interest rate.

  • Low rate credit cards

These types of credit cards give you a convenient, low cost way to spend. SCU’s Low Rate Visa Card comes with a low interest rate that can help you save considerably if you’re not the kind who pays your outstanding balance in full each month. If you do, you can take advantage of as many as 55 interest-free days on purchases. What also helps is that this card charges the same low interest rate for purchases and cash advances. Keep in mind that you'll have to pay a nominal annual fee.

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
SCU Low Rate Visa Credit Card
Low interest rate credit card plus a low annual fee of $30 p.a.
10.49% p.a. $30 p.a. Up to 55 days on purchases More info
Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about low rate credit cards

Benefits of banking with SCU

Banking with SCU brings with it competitive interest rates and minimal fees and charges, and you can also look forward to high levels of personalised service. Getting the Low Rate Visa card also comes with its own share of benefits.

  • Global access to funds

More than 24 million merchants in over 200 countries accept Visa credit cards, so you can look forward to using this card the world over. For cash advances, you can turn to any ATM that displays the Visa logo. You can use this credit card to make in-store purchases, and also to make purchases and pay bills online or over the phone.

  • Fee-free balance transfers

You can make use of the low rate credit card to transfer balances from existing credit cards that charge higher interest rates. You don’t have to pay any fee to make balance transfers.

  • Visa benefits

When you apply for this credit card you have the option to get a payWave enabled card for free. More than 174,000 merchants in over 30 countries use this technology, and when you shop with one of these merchants you can make contactless payments for purchases under $100. Cardholders get access to Visa Entertainment, a platform they can turn to for exclusive offers, competitions and pre-sale tickets to concerts and sporting events. Verified by Visa also works as an additional layer of security when you use this card online.

Applying for an SCU credit card

You can apply for an SCU credit card by visiting any SCU branch or over the phone. To apply online or to download an application, click on the ‘Go to Site’ button when it appears next to the credit card’s details. To apply, you have to meet the following eligibility criteria:

  • Age. Be over 18 years of age.
  • Residential status. Be a permanent resident of Australia.
  • Credit history. You'll need to have a good credit history to apply.

Bear in mind you have to submit a variety of information to complete the application, including the following:

    • Credit limit. Enter the credit limit you want, but this is subject to approval.
    • Personal details. These include your complete name, date of birth, marital status, number of dependants and your chosen SCU branch.
    • Contact details. These include your residential status, residential address, phone number and email address.
    • Employment. This section requires your occupation, status of your employment, employer’s name, employer’s address and phone number.
    • Financial. Provide information about your income from all sources. Expenses can include rent, mortgage payments, travel expenses, food expenses, utility bills, and so on. You’ll also need to provide details of all your existing loans, credit cards, store cards and overdrafts.

After you apply

Once you submit your online application you will receive a reference number that you can use if you want to discuss any aspect of your application, and you can expect to hear from an SCU representative by the next business day. As part of the process, SCU will in all likelihood make an income verification call to your employer. Approval can be offered within 48 hours.

To receive your SCU credit card you’ll have to apply for SCU membership if you’re not already a member. New members, owing to a legal requirement, have to go through an identity verification process.

Frequently asked questions

Below you'll find answers to some commonly asked questions about SCU credit cards. If you have a question that does not feature here, use the form at the end of the page to ask.

How quickly can I complete the online application?

The online application takes around 10 to 15 minutes to complete, but this requires that you keep all the needed information nearby. If you don’t have immediate access to all the required information, or if you run short of time, you can save your partially completed application and access it again using a PIN that you receive via email.

How can I check my application’s status?

To check the status of your credit card application you should call SCU directly.

How can I increase my card’s credit limit?

You can request for an increase in your card’s credit limit by submitting an application, but you have to meet certain SCU credit criteria to qualify.

How can I make repayments?

You can make payments towards your credit card account via online or phone banking. You can set up automatic debits so you don’t have to worry about making payments each month. You also have the option to make payments the old fashioned way, by mailing a cheque or by visiting a branch.

What should I do to report a lost or stolen card?

If you wish to report a lost or stolen card during business hours call SCU immediately. If calling after hours, call the toll free Visa hotline.

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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

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HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

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Annual fee

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