Summerland Credit Union Credit Cards

Summerland Credit Union has two different Visa credit card options: a low rate credit card that has a competitive interest rate for purchases and a rewards credit card that gives you a way to earn cashback on your account. Use this guide to learn more about Summerland credit cards and the benefits of banking with this northern NSW credit union.

Summerland Credit Union Credit Cards Comparison

What types of credit cards does Summerland offer?

• Low rate credit card

  The Summerland 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 thereafter). If you want to pay off existing credit card debt, you can also take advantage of 0% p.a. for 9 months on balance transfers when you request the transfer at the time of your application.

Learn more about low rate credit cards

• Rewards credit card

  The Summerland Rewards credit card earns 1 point per $1 spent on eligible purchases, with 1,000 points converting to $10 cashback on your account. This cashback is automatically converted and added to your account every six months. The Summerland Rewards credit card has a $0 annual fee for the first year (reverts to $79 p.a.) and offers an introductory 0% p.a. balance transfer rate for the first 12 months.

Learn more about Rewards Credit Cards

Benefits of banking with Summerland Credit Union

Here are the features and services you can look forward to if you choose one of these Summerland Credit Union credit cards:

• $0 annual fee in the first year

Both the Summerland 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 reverts to $49 p.a., while the annual fee for the Rewards card reverts 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 enjoy 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 Verified by Visa. You can also make faster online payments through Visa Checkout and access exclusive offers on entertainment, shopping, dining and more through Visa Offers + Perks.

How to apply for a Summerland Credit Union Credit Card

You can apply for a Summerland credit card online in a few minutes. You can also apply by visiting any Summerland branch or by calling 1300 802 222. 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 a citizen or permanent resident of 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 member, you will also have to apply for Summerland membership before you can get a new credit card. This is a simple process, but you may need to visit a Summerland branch as part of the identification process.

Frequently asked questions

• Does the online application take much time to complete?

  With all the information you need to complete the application close at hand, the process usually takes around 15-20 minutes.

• 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 on 1300 802 222.

• How do I earn reward points?

  The Rewards card offers 1 point per $1 spent on eligible purchases. Eligible purchases include groceries, retail shopping, petrol, dining and most everyday spending categories. Exclusions include balance transfers, cash advances, BPAY payments, payments to other credit card accounts and transactions that exceed your credit limit.

• How do I know how many points I have?

  The number of points is included on your monthly credit card statement. The points are automatically converted to cashback on your account every six months, so you can check your account balance or statement for details of how much you have earned.

• Is there a maximum limit to the number of points I can earn and do my reward points expire?

  You can earn a maximum of 100,000 points each year. These points don’t expire as long as your account remains in good standing.

• What should I do if I lose my card?

  To report a lost or stolen card during business hours, the number to call is 1300 802 222. If you are overseas, call +612 6623 5498.

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