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 December 9th, 2016
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.

Rates last updated December 9th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
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. Up to 55 days on purchases More info
Rates last updated December 9th, 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
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

How long does it take to apply for a credit card?

The online application should only take around 15 minutes to complete if you have all the necessary documentation on hand.

How do I check on the status of my application?

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.

How do I make a balance transfer request?

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).

How can I add an additional cardholder?

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).

How can I contact SCU?

You can contact SCU via: Mail, Telephone, Fax, Email, Website.

Where is my closest SCU branch?

You can locate your closest SCU branch by going to the SCU website.
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