Service One Credit Cards

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Get convenient access to your Service One Overdraft with a Visa Card

The creation of Service One Members Banking was a result of the merger of three credit unions — Snowy Mountains Credit Union, Credit Union of Canberra and Hospitals Credit Union. This merger took place in 2001, and while the three entities continued operating under their respective names, they united in 2006 to become known as Service One Members Banking. With branches spread across New South Wales and the Australian Capital Territory, this credit union offers its members an array of financial services and products like loans, savings and investment accounts, debit and credit cards and banking packages.

Comparison of Service One Members Banking Credit Cards

Rates last updated May 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Service One Visa Card
Receive a low interest rate and low transaction fees to access your funds.
15.25% p.a. $0 p.a. More info

Types of cards that Service One offers

Service One gives its members an innovative credit solution – a Visa card that's tied to their Overdraft facility. Take advantage of a Visa card and have access to your transaction account and your overdraft facility.

  • Cards with overdrafts

If you need access to credit but don't want to take out a credit card, you can consider a Visa card that gives you access to your overdraft facility. Overdrafts can come with generally lower minimum amounts and you only pay interest on the amount you use. Have as little as $1,000 tied to your Day to Day account and have access to it anywhere Visa is accepted.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Service One Visa Card
15.25% p.a.
$0 p.a.
Receive a low interest rate and low transaction fees to access your funds.

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

Benefits of banking with Service One

Banking with a credit union like Service One comes with benefits like personalised service, competitive interest rates and reduced fees and charges, and getting a Visa through this credit union comes with various advantages, too.

  • Visa benefits

If you use your card to make purchases online, you can take advantage of the Verified by Visa service that protects your card details. Your card will also come with Visa's payWave functionality, so any purchases you make in-store for less than $100 are only a quick tap away with no need to enter your PIN.

  • A competitive overdraft

Borrow a minimum of $1,000 and have access to your continuing line of credit. The interest is calculated daily but you'll only pay interest on the amount you use, not on the amount of credit you have. Depending on your loan balance, discounts on everyday banking could be available.

  • Discounted rate

If you hold a Service One home loan you can access your Visa card at the Standard Variable Home Loan rate, letting you save even more on interest.

How to apply for a Service One Members Banking credit card

You can get a hard copy application by visiting any Service One branch, and you can also apply online. To complete an online application simply click on the ‘Go to Site’ button corresponding to the credit card of your choice. Before you apply, make sure you meet the following eligibility criteria:

Application Criteria

  • You’re at least 18 years old
  • You’re a permanent Australian resident
  • You have good credit history

Required documents

  • Personal. Start by providing your name, date of birth, and proof of your identity.
  • Work. This section requires your last two pay slips and a letter from your employer detailing your start date and salary details.
  • Financial. Provide information about your home and other loans, credit cards and store cards, and if you're self-employed you'll need financial statements and tax assessments for the last two years.

What happens next

A Card Services representative might contact you for additional information after reviewing your application. An income verification call goes to your employer’s payroll department — you can help speed the process by letting your payroll department know of the call in advance. If you’re not an existing Service One member you’ll have to apply for membership before you receive your card. In this case, you’ll also have to complete a legally mandated identity verification process.

Frequently asked questions

If you have a question about Service One credit cards you might find the answer here. If not, feel free to use the question form at the bottom of this page.

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

Yes, you're able to save your application by entering your email address, you will be given a PIN to retrieve it later. 

Yes, you can apply for this with a partner.

Yes, but you have to meet certain lending criteria in order to qualify.

You can make repayments via payroll deduction, direct debit, Internet or phone banking transfer, or in person at a Service One branch.

You will need to repay 3% of your outstanding balance, or $20, whatever is greater, per month.

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American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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