Summerland Bank Credit Cards

Summerland Bank (formerly Summerland Credit Union) is a member-owned financial institution based in Northern Rivers NSW, with branches between Grafton and the Gold Coast. It also has a focus on community and sustainability, including B Corp certification for social and environmental standards. It offers a choice of 2 credit cards, one with a low interest rate and one with cashback rewards.

Compare Summerland Bank Credit Cards

Product	Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
Summerland Bank Low Rate Credit Card	Bonus points N/A	Points per $ spent N/A	Purchase rate p.a. 11.99%	Annual fee $0 first year ($49 after)	Save with a $0 first-year annual fee and 0% p.a. introductory rate on balance transfers for 9 months with no balance transfer fee.	ContinueMore info Compare	loading Fetching your data...
Summerland Bank Rewards Credit Card Rewarder Rewards Program	Bonus points N/A	Points per $ spent 0.5	Purchase rate p.a. 18.99%	Annual fee $0 first year ($79 after)	Earn cash back rewards for your spending and save with $0 first-year annual fee and 0% p.a. on balance transfers for 12 months with no balance transfer fee.	ContinueMore info Compare	loading Fetching your data...

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What types of credit cards does Summerland Bank offer?

• Low rate credit card

  The Summerland Bank Low Rate Credit Card offers a 11.99% p.a. variable interest rate for purchases and a $0 annual fee in the first year ($49 p.a. thereafter). If you want to pay off existing credit card debt, you can also get 0% p.a. interest on balance transfers for 9 months when you request a transfer for the balance at the time of your application.

• Rewards credit card

  The Summerland Bank Rewards Credit Card earns 1 point per $2 spent on eligible purchases, with 1,000 points converting to $10. This cash is added back to your account every month, giving you an equivalent 0.5% cashback on your spending. The Summerland Bank Rewards Credit Card also has a $0 annual fee for the first year (then $79 p.a.) and offers an introductory 0% p.a. balance transfer rate for the first 12 months.

Benefits of a Summerland Bank credit card

• $0 annual fee in the first year

Both the Summerland Bank Low Rate and Rewards credit cards offer a $0 annual fee for the first year. After the first 12 months, the annual fee for the Low Rate card goes to $49 p.a., while the annual fee for the Rewards card goes to $79 p.a. and is charged around the anniversary of your account opening.

• Interest-free days

Pay your account's closing balance in full by the due date on your statement and you can get interest-free days on purchases. The interest-free period starts at the beginning of your statement period and ends on the due date listed on the statement for that period. Note that interest-free days are not available when you carry a balance, including from a balance transfer debt.

• Visa perks

As well as worldwide acceptance through the Visa network, this card offers tap-and-go payments at checkout and extra security online through Visa Secure. You can also make faster online payments through Visa Checkout and access exclusive offers on entertainment, shopping, dining and more through Visa Offers + Perks.

• Banking and digital wallets

You can manage your credit card with internet banking or the Summerland Bank mobile app, as well as phone and branch banking. If you have Apple Pay or Google Pay set up, you can also add a Summerland Bank credit card to your digital wallet to make payments straight from your phone or devices.

How to apply

You can apply for a Summerland Bank credit card online in a few minutes by filling in a secure form on the bank's website. You can also apply by visiting any Summerland Bank branch or by calling 1300 728 728. To get started, make sure that you meet the following eligibility criteria and have all the required documents and details on hand for the application.

Eligibility criteria

• Age. You must be at least 18 years of age.
• Residency status. You must be an Australian citizen or a permanent resident with the right to work in Australia.
• Employment. You must currently have paid employment.

Required documents

• Personal details. This includes your full name, date of birth, marital status, number of dependents and a valid form of ID, such as your driver's licence or passport.
• Employment details. This covers your current job title, salary and employer's contact details. You may also need to provide recent payslips to help verify these details.
• Financial details. This section requires information about your assets and expenses. This includes savings and other investments as well as your regular living expenses and any other recurring expenses. You also have to provide details about existing loans, credit cards, store cards and other debts.

If you're not an existing Summerland Bank member, you will also have to complete the membership and identification process by visiting a branch.

If you have any questions about your application, you can call Summerland Bank on 1300 728 728.

Credit card brands similar to Summerland Bank

If you want a credit card from a member-owned bank, here are 3 other credit card providers you could compare with Summerland Bank:

• Bank Australia credit cards
• Community First credit cards
• Heritage Bank credit cards

Frequently asked questions

• How can I check the status of my application?

  Once you have submitted your application, you should receive an email with details of the next steps. Check this for information on your application status. You can also call Summerland Bank on 1300 728 728.

• How do I earn cashback?

  The Rewards card offers an equivalent 0.5% cashback on eligible spending, which is automatically added back to your account. Eligible spending includes groceries, retail shopping, petrol, dining and most everyday purchases. Exclusions include balance transfers, cash advances, BPAY payments, payments to other credit card accounts and transactions that exceed your credit limit.

  Reward details are also included on your monthly credit card statement.

• Who owns Summerland Bank?

  Summerland Bank is a customer-owned financial institution, which means every member owns a share of the credit union. Instead of profits going to board members, Summerland Bank invests back into its products, services and the community.

• What should I do if I lose my card?

  To report a lost or stolen card during business hours, call 1300 728 728. If you are overseas, call +612 6623 5498.

Contact details and related links

• Summerland Bank phone number: 1300 728 728
• Regional Australia Bank home loans
• Summerland Bank Eco Personal Loan

Compare other products from Summerland Credit Union

• Summerland Credit Union personal loans

Written by

Richard Whitten

Money Editor

Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full bio

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