Southern Cross Credit Union Credit Cards

SCCU

Do you want a low rate or a platinum credit card? Southern Cross Credit Union provides both kinds.

Southern Cross Credit Union began operations in 1966, in the form of Tweed BGF Members Credit Union, to serve banking needs of local banana growers. A merger with Lismore Community Credit Union in 1975 resulted in a change of name, leading to the name, Tweed Byron Credit Union. The existing name, Southern Cross Credit Union, came into effect in 1997, and this credit union services more than 20,000 members through its 10 branches located across the Northern Rivers, from Tweed Heads to Ballina to Casino. This credit union offers a range of financial services and products, which include two types of credit cards.

Southern Cross Credit Union Credit Cards

Rates last updated March 23rd, 2017.

Southern Cross Credit Union MyCard Low Rate MasterCard

Balance transfer and annual fee offer has been extended until 31 July 2017.

February 17th, 2017

Southern Cross Credit Union MyCard Platinum Rewards MasterCard

Balance transfer and bonus points offers have been extended until 31 July 2017.

February 17th, 2017

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Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Southern Cross Credit Union MyCard Low Rate MasterCard
Low interest rate offer on balance transfer plus a low annual fee on card.
12.99% p.a. 0% p.a. for 12 months $49 p.a. More info
Southern Cross Credit Union MyCard Platinum Rewards MasterCard
Earn rewards points for every dollar spent and platinum card benefits with a balance transfer offer.
20.24% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($159 p.a. thereafter) More info

Types of credit cards Southern Cross Credit Union provides

A number of credit unions across Australia provide MyCard MasterCard credit cards, and so does Southern Cross Credit Union. These credit cards vary in terms of features, interest rates, and fees, so choose wisely.

  • Low rate credit cards

A low rate credit card, as the name implies, comes with a low interest rate, and you can’t expect such a card to offer too many extras. The Low Rate MyCard MasterCard that Southern Cross Credit Union provides comes with a special rate for balance transfers, and if you pay your balances in full you can get up to 55 interest free days on purchases. Cardholders can look forward to utilising free basic insurance covers.

Rates last updated March 23rd, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Southern Cross Credit Union MyCard Low Rate MasterCard
Low interest rate offer on balance transfer plus a low annual fee on card.
12.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases More info
Rates last updated March 23rd, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
St.George Vertigo Visa
Introductory offer of 0% p.a. for 12 months on balance transfers and 0% p.a. for 6 months on purchases, plus a low annual fee.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 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
HSBC Low Rate Credit Card
This card comes with a balance transfer offer, a low interest rate and up to 55 days interest-free on purchases.
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 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 balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate Platinum
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.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Up to 55 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 12 months and 0% p.a. for up to 6 months on purchases.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum - Online Only Balance Transfer Offer
Enjoy a long-term balance transfer offer of 3% p.a. for 36 months when you apply online, plus complimentary insurance covers and a personal concierge service.
12.74% p.a. 3% p.a. for 36 months $99 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.
0% p.a. for 6 months (reverts to 13.49% p.a.) 0% p.a. for 12 months $59 p.a. Up to 55 days on purchases Go to site More info
Learn more about low rate credit cards
  • Platinum credit cards

A typical platinum card comes linked to a rewards program and tends to offer cardholders other extras as well. In addition to giving you the ability to earn and redeem reward points, the Platinum MyCard MasterCard offers a number of complimentary insurance covers, and gives you access to a platinum concierge service. An introductory interest rate is in place for purchases and balance transfers, and you can get as many as 55 interest free days on purchases.

Rates last updated March 23rd, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Southern Cross Credit Union MyCard Platinum Rewards MasterCard
Earn rewards points for every dollar spent and platinum card benefits with a balance transfer offer.
1.25 Yes 20.24% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($159 p.a. thereafter) More info
Rates last updated March 23rd, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
NAB Premium Card
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate on balance transfers.
VISA/MC: 0 AMEX: 0 Yes 19.74% p.a. 0% p.a. for 24 months with a one off 3% balance transfer fee $90 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Enjoy a long-term balance transfer offer and earn 1.25 Citi Reward Points per $1 spent on all eligible domestic and international purchases.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year.
VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Qantas American Express Ultimate Card
Enjoy 75,000 bonus Qantas Points when you meet the spend criteria plus 75 Bonus Status Credits when you book and fly back with Qantas. Earn up to 2.5 Qantas Points per $1 spent on eligible purchases.
VISA/MC: 0 AMEX: 1.5 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
American Express Explorer Credit Card
Receive 50,000 Membership Rewards Bonus Points on eligible spend within the first 3 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn Qantas Points for spending.
0.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 15 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cash back on retail purchases.
VISA/MC: 0 AMEX: 0 No 19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee $0 p.a. Go to site More info
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
No 21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
ANZ Low Rate Platinum
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.
Yes 11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
Yes 13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
VISA/MC: 0.66 AMEX: 0 No 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
0.5 Yes 20.24% p.a. $225 p.a. Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum card. Also get the chance to receive $250 Westfield Gift Card when you spend $2,500 in the first 60 days from card approval plus a waived annual fee for the first year.
0.5 Yes 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
St.George Vertigo Platinum - Online Only Balance Transfer Offer
Enjoy a long-term balance transfer offer of 3% p.a. for 36 months when you apply online, plus complimentary insurance covers and a personal concierge service.
VISA/MC: 0 AMEX: 0 Yes 12.74% p.a. 3% p.a. for 36 months $99 p.a. Go to site More info
Commonwealth Bank Business Platinum Awards Credit Card
Earn up to 3 Awards points per dollar spent and enjoy a range complimentary insurances.
VISA/MC: 1 AMEX: 3 Yes 20.74% p.a. 5.99% p.a. for 5 months $300 p.a. Go to site More info
Learn more about platinum credit cards

Benefits of getting a credit card from Southern Cross Credit Union

MasterCard finds acceptance at more than 22 million locations around the world, so you can look forward to using both these credit cards while travelling overseas. Getting a MyCard MasterCard through Southern Cross Credit Union comes with other benefits too.

  • Discounted annual fee

If you apply before a given date you get to keep paying a discounted annual fee for as long as you keep your account active, and this applies to both credit cards.

  • Free insurance covers

Guaranteed pricing scheme and purchase cover insurance are standard extras with, both, low rate and platinum cards. If you have the platinum card you get additional covers in the form of international travel insurance, interstate flight inconvenience insurance, and transit accident insurance.

  • Platinum concierge service

A platinum concierge service is at the disposal of platinum cardholders, and cardholders can avail of this service at any time. This service can assist you in locating restaurants and making reservations; in making flight and hotel reservations; in booking tickets for movies, live shows, and concerts; and in a number of business related matters.

  • Introductory rate

The Platinum MyCard MasterCard offers a  interest rate for  months, applicable on purchases and balance transfers. The Low Rate MyCard MasterCard offers a discounted interest rate for  months on balance transfers.

Applying for a Southern Cross Credit Union credit card

You can apply by visiting any Southern Cross Credit Union branch, you can apply over the phone, and you can apply online. If you wish to apply online, start by clicking on the ‘Go to Site’ button placed next to the card of your choice. Make sure you meet the following application criteria before you apply.

Application Criteria

  • You’re over 18 years old
  • You’re a permanent Australian resident
  • You don’t have poor creditworthiness
  • You have a valid email address
  • You meet the minimum income requirement ($25,000 p.a. for the low rate card, and $35,000 for the platinum card)

Information required to successfully complete your credit card application

  • Personal details. These include your name, contact details, marital status, number of dependents, driver’s licence number, and the name and phone number of a relative of friend who resides at a different address.
  • Employment details. This section requires your occupation, the industry you work in, your employer’s trading name, and your employer’s contact details.
  • Financial information. Your credit card application also requires details surrounding your income and expenditure. When disclosing income, provide details of income from all sources. Expenditure includes you share of living expenses as well as all other recurring expenses, and you also have to provide details about all existing debts like loans, credit cards, and store cards.

What's next?

After you submit your application, and if there is a need to collect more information, a Card Services rep might contact you. Your employer’s payroll department should receive an income verification call, and it helps if the department knows of this impending call in advance. Non-members have to apply for Southern Cross Credit Union membership in order to receive their cards, and they also have to complete a legally required identity verification process. This might require that you visit a Southern Cross Credit Union branch.

Frequently asked questions

If you’ve got a question about Southern Cross Credit Union credit cards, you might find the answer here. If you don’t, use the form at the end of the page and ask away.

Does it take much time to complete the online application?


It’s a good idea to begin with all the required information close at hand, and if you do this you can get through the application in about 10 to 15 minutes. You can save an incomplete application at any stage and retrieve it later.

Can I find out about my application’s status?


Yes. You get an Application ID upon submitting your application, and you can use the same to check your application’s status by visiting the Card Services website or by calling Card Services on 1800 806 508.

What are the minimum and maximum credit limits?


The low rate card comes with a minimum credit limit of $2,000 and a maximum limit of $15,000. For the platinum card, the minimum limit is $6,000 and the maximum is $30,000.

How can my credit limit increase?


After you use your card for a given duration you can apply for an increase in your card’s limit, but approval is subject to the discretion of Card Services.

What change takes place at the end of the promotional period?


When the promotional interest rate period ends outstanding balances from balance transfers attract the given card’s cash advance rate, and this is the case with, both, low rate and platinum cards. Leftover balances from purchases, if you use the platinum card, start attracting the card’s purchase rate.

Does membership to the rewards program require me to pay an additional fee?

No, when you get the Platinum MyCard MasterCard you enrol into the Card Services Rewards Program for free.

How can I find out how many reward points I’ve accumulated?

Your credit card statement offers periodical updates telling you just how many reward points you’ve earned. You can also find out by visiting the Card Services website or by calling 1300 135 538.

Is there a cap on the number of points I can earn?

As a platinum cardholder you can earn as many as 100,000 in a 12 months cycle, which begins from the date you enroll.

Do these reward points expire?

As long as you keep your account active and in good standing, your reward points don’t expire.

How can I earn reward points?

You earn reward points each time you use your platinum card to make an eligible purchase. You can make these purchases in-store, online, or over the phone, and you earn 1.25 reward points for every dollar spent.

What can I get when redeeming reward points?

You can book a flight through Take Flight, or you can transfer your reward points to a frequent flyer program. You have the option to use your reward points in the form of cashback, to pay your card’s annual fee or to reduce your account’s outstanding balance. You also get a number of travel and store vouchers from which to choose.

What should I do if I’ve lost my card?

To report a lost or stolen card you should call 1800 621 199 immediately.

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

Interest rate

19.74

Annual fee

87
American Express Essential®  Credit Card
American Express Essential® Credit Card

Interest rate

14.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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Credit Cards Comparison

Rates last updated March 23rd, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points per $1 spent and save with a reduced annual fee and a 0% p.a. balance transfer offer for 18 months.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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