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.

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.

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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.

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Compare Summerland Bank Credit Cards

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.	More info Compare product selectionCompare	loading
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.	More info Compare product selectionCompare	loading

Benefits of getting a Summerland Bank credit card

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 for a Summerland Bank credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

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:

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Written by

Richard Whitten

Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards 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 started his career in education and textbook publishing in South Korea. He 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 Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

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Summerland Bank Credit Cards

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