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Summerland Credit Union Credit Cards

Are you looking forward to earning reward points with your new credit card or do you want a low interest rate? In either case, Summerland has something for you.

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Summerland Credit Union has its head office in Lismore, NSW, and employees more than 100 local people across its 13 branches, from Coolangatta to Grafton. As a Summerland Credit Union member you can look forward to a variety of rebates as well as fee-free transactions. You get to deal with friendly, helpful, and efficient staff, in branches and over the phone, given that this credit union runs a locally based support centre. Summerland offers its members a range of financial services and products, which include loans for different purposes, savings and investment accounts, insurance solutions, and credit cards.

Important Information

The Summerland Credit Union Credit Cards are no longer available for new applications as these credit cards are no longer available to new customers. The credit cards cannot be applied for, however, the information on this page has been kept for the benefit of existing customers and for those who are interested.

Types of credit cards that Summerland offers

A number of credit unions offer MyCard Mastercard credit cards to their members, and so does Summerland. You get to choose between two types.

  • Low rate credit cards

    If rewards and other extras don’t lure you, you’re probably better off getting a card that charges a low interest rate. The Low Rate MyCard Mastercard that Summerland offers its members gives you the ability to get up to 55 interest free days on purchases, and it comes with a special introductory rate for balance transfers. If you apply before a given date, you can keep paying a discounted fee for the life of the card.

Learn more about Low Rate Credit Cards

  • Platinum credit cards

    These cards offer a whole bunch of extras, and they charge a slightly higher interest rate than their low rate counterparts. The Platinum MyCard Mastercard offers free enrolment to the Card Services Rewards Program that gives you considerable freedom when it comes to redeeming your points for rewards. You get complimentary insurance covers as well as access to a platinum concierge service. You can avail of as many as 55 interest free days on purchases, this card comes with an introductory rate that applies on balance transfers and purchases, and you can keep paying a discounted annual fee if you apply in time.

Learn more about Platinum Credit Cards

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Benefits of getting a Summerland Credit Union Credit Card

More than 22 million merchants around the world accept Mastercard, and you can use your card to withdraw money from any ATM that displays the Mastercard logo. Details about other benefits follow.

  • Introductory rate

If you get the low rate card you can use it for balance transfers and avail of a special rate that stays in place for the first nine months. With the platinum card, there’s a 0% introductory rate for 6 months that applies on balance transfers and purchases.

  • Insurance covers

Cardholders of both cards receive protection through purchase cover insurance and guaranteed pricing scheme. Platinum cardholders can look forward to extra cover in the form of extended warranty, interstate flight inconvenience insurance, international travel insurance, and transit accident insurance.

  • Concierge service

All platinum cardholders can access a round the clock platinum concierge service. You can use this service to book tickets to movies, live shows, or sporting events; to make hotel and flight reservations; to choose and deliver gifts; and for an assortment of business related tasks.

  • Mastercard benefits

Mastercard SecureCode is in place to provide additional security when you use your card to make online transactions. Fraudshield monitors your card for irregular transactions, and notifies you of the same immediately. PayPass gives you the ability to make contactless transactions for purchases under $100.

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How to apply for a Summerland Credit Union Credit Card

You can apply for a MyCard Mastercard by visiting any Summerland branch and you can also initiate the process over the phone. You can download an application by visiting the Summerland Credit Union website or you can even apply online. To download an application or to apply online simply click on the ‘Go to Site’ button next to the card you select. Ensure that you meet the following eligibility criteria before applying.

  • You’re older than 18 years of age
  • You’re a permanent resident of Australia
  • You don’t have bad credit history
  • You have a valid email address
  • You earn a minimum of $25,000 to apply for the Low Rate MyCard, and at least $35,000 p.a. to apply for the Platinum MyCard

The application requires you to part with a host of personal, employment related, and financial information.

    • Personal. The first section requires your complete name, date of birth, nationality, marital status, number of dependents, mother’s maiden name, and the name and contact details of a friend or relative who resides elsewhere.
    • Contact. This section requires your home address, how long you’ve lived there, residential status, phone number, and email address.
    • Job. Mention if you’re self-employed or retired. If employed, provide your job status along with your employer’s name and contact details.
    • Financial. This section can be the most exhaustive, and requires information surrounding your income and expenses. While income includes income from all sources, expenses include your regular living expenses as well as all other recurring expenses. You also have to provide details about your existing loans, credit cards, store cards, and other debts.

After applying for your card

Once you submit your application Card Services reviews it and a Card Services rep might contact you for additional information. An income verification call going to your employer is part of the process, which you can help quicken by letting your payroll department know of the call ahead of time.

If you’re not an existing Summerland member, in order to receive your card you’ll have to apply for Summerland membership. New members have to go through a legally mandated identity verification process, for which you might have to visit a Summerland branch.

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Frequently asked questions

Some questions about Summerland credit cards keeping popping up repeatedly, and here are answers to the same.

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Credit Cards Comparison

Updated April 4th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
Coles No Annual Fee Mastercard
19.99% p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
$0 p.a.
Earn flybuys points for your spending and save with an ongoing $0 annual fee and 0% p.a. on balance transfers for 18 months.
Qantas American Express Ultimate Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Get 100,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations. Ends 14 Apr 2020.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$45 p.a.
A no-frills credit card with a competitive annual fee and 0% p.a. interest rate on balance transfers for the first 18 months.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards 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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