Security Credit Union Credit Cards

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Compare with a bank that puts its “people before profit”.

Become a member of a bank who prioritises providing excellent personal service and maintains a philosophical difference of "people before profit".

Security Credit Union offers an extensive range of financial products including home loans, personal loans, insurance solutions, financial planning, business finance and card services.

Comparison of Security Credit Union Credit Cards

Rates last updated May 26th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Security Credit Union Low Rate Visa
Receive a low rate card with a low interest rate and up to 55 days interest free on purchases.
10.49% p.a. $30 p.a. More info

Types of credit cards Security Credit Union offers

SCU offers a credit card that includes the essential features of generous interest rates and smart spending power at a lower cost.

  • Low rate credit cards

    Low interest rate credit cards can help minimise your credit card balance, especially if you can’t pay it off in full each month. A low interest rate could save you lots of money in the long term. Security Credit Union offers a low rate credit card providing you lower costs and up to 55 days interest-free to maximise your spending power.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Security Credit Union Low Rate Visa
10.49% p.a.
Up to 55 days on purchases
$30 p.a.
Receive a low rate card with a low interest rate and up to 55 days interest free on purchases.

Compare up to 4 providers

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy up to 55 days interest-free.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Save with 11.99% p.a. on purchases. Also enjoy the protection of Fraudshield.
Westpac Low Rate Card
0% p.a. for 6 months (reverts to 13.49% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 12 months
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.
Heritage Bank Gold Low Rate Credit Card
11.80% p.a.
0 interest free days
$0 p.a.
0% p.a. for 12 months
Save with 11.8% p.a. on purchases. Also enjoy $0 annual fee.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Enjoy a low balance transfer offer of 0% p.a. for 14 months and a low ongoing purchase rate from BankSA.

Compare up to 4 providers

Learn more about low rate credit cards

The benefits of banking with Security Credit Union

  • Exclusive member benefits

As a member, you have access to Security Credit Union’s extensive range of financial products and the advantages offered by their personal service.

  • Mutual banking benefits

Since Security Credit Union is a mutual bank, it puts its profits back into its products. This allows them to provide better rates, fairer fees, responsible lending and outstanding customer service.

  • Worldwide acceptance

With your Visa credit card, you have the convenience of accessing cash from 2.1 million ATM’s in more than 200 countries worldwide.

  • Visa payWave

For purchases under $100, Visa payWave allows you to just Wave and Go to pay faster with less hassle.

How to apply for the Security Credit Union Visa Credit Card

If this card is right for you, check you meet the eligibility criteria for the card and then apply conveniently online. The Security Credit Union application can be complicated via printed form or online. Online applications take approximately 15 minutes to complete. The eligibility requirements for a Security Credit Union credit card application are as follows:

Application Criteria

  • Be 18 years of age or over
  • Have sufficient income to repay the card
  • Have a good credit history
  • Be an Australian resident

You’ll need the following information to complete the application:

  • Member number. Your member number with the credit union.
  • Personal details. Your full name, date of birth, number of dependents and residential address.
  • Employment details. Your current employment status, employer’s name and contact details.
  • Self Employed. If you are self-employed, you will need to supply a copy of your previous two years' tax returns or profit and loss statement
  • Income details. You’ll need to provide all your forms of income (yearly total) with payment frequency.
  • Two current pay slips or a letter from your employer confirming your employment status and income.
  • Most recent financial statements for debts listed.
  • Referees. You will need to provide the details of two referees (full name, address, contact phone number, relationship to you)

What Happens Next?

After the application has been completed if Security Credit Union requires any further information they will make contact with you via the telephone number you have provided. A reference number will be generated upon completion of your application, allowing you to inquire about the status.

Frequently asked questions

The online application should only take around 15 minutes to complete if you have all the necessary documentation on hand.
Upon completing the online application a reference number will be generated. If you would like to find out how long it will take to be approved, you can quote the application number and an authorised SCU representative will be able to inquire into your application.
Balance transfers can be made at the time of application or can be requested after your card is activated by calling their customer service team on (available 8am to 7pm Mon-Fri and 8.30am to 11.30am on Saturday).
Additional cardholders can be requested at the time of application or by contacting their customer service team (available 8am to 7pm Mon-Fri and 8.30am to 11.30am on Saturday).
You can contact SCU via: Mail, Telephone, Fax, Email, Website.
You can locate your closest SCU branch by going to the SCU website.
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