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 May 27th, 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

View latest updates

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.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Southern Cross Credit Union MyCard Low Rate MasterCard
12.99% p.a.
Up to 55 days on purchases
$49 p.a.
0% p.a. for 12 months
Low interest rate offer on balance transfer plus a low annual fee on card.

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
  • 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 May 27th, 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 May 27th, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Earn double points on purchases made in major department and hardware stores and receive complimentary travel and purchase insurance.
1 Yes 19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% p.a. balance transfer fee.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent on eligible transactions within the first 3 months.
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
Citi Rewards Platinum Credit Card
Enjoy a long-term balance transfer offer of 0% p.a. for 24 months with a 1.5% p.a. balance transfer fee.
VISA/MC: 1 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
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.
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
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 3% balance transfer fee $90 p.a. Go to site More info
Qantas American Express Ultimate Card
Receive platinum benefits including complimentary insurance covers, airport lounge passes, and a complimentary return flight each year.
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
HSBC Platinum Qantas Credit Card
Enjoy complimentary membership to the Qantas Frequent Flyer program and international travel insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
American Express Explorer® Credit Card
Get a $400 travel voucher every year, complimentary airline lounge passes and several travel insurances.
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
St.George Vertigo Platinum
Take advantage of a 0% p.a. for 20 months on balance transfers offer with no balance transfer fee.
VISA/MC: 0 AMEX: 0 Yes 12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Receive a complimentary Qantas Frequent Flyer membership and a range of included insurance covers.
0.75 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
Receive 10% cash back on all eligible purchases, capped at $50 per month for 4 months from card approval.
VISA/MC: 0 AMEX: 0 No 19.99% p.a. 0% p.a. for 6 months $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 up to 55 days interest-free on purchases.
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 a 24/7 personal concierge.
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
Take advantage of a 0% p.a. for 18 months on balance transfers offer with a 3% p.a. balance transfer fee.
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
Receive a $129 Virgin Australia Gift Voucher each year and complimentary insurance with this long-term 0% p.a. interest offer.
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
No overseas transaction fee on purchases, plus a complimentary domestic return flight each year when you meet the eligibility criteria.
1.5 Yes 20.24% p.a. $225 p.a. Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great platinum features including complimentary travel insurance and purchase protection.
1.5 Yes 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Heritage Bank Platinum Credit Card
Take advantage of 0% p.a. for 12 months on balance transfers. Plus, receive complimentary insurance when you travel.
Yes 16.75% p.a. 0% p.a. for 12 months $125 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Take advantage of a 0% p.a. for 12 months on balance transfers offer, plus up to 55 days interest-free on purchases.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 6 months (reverts to 19.84% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) 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.


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.


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.


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.


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.


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.

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

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.

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

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

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.

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.

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

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Read more on this topic

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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Credit Cards Comparison

Rates last updated May 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
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 Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 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.
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
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 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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