Summerland Credit Union Credit Cards

Summerland logo

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.

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.

 
Rates last updated December 9th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Westpac Low Rate Card
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.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info

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.

Rates last updated December 9th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
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
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
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
20.24% p.a. $225 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
$1,200 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
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
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info

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.

Does the online application take much time to complete?

With all the information you need to complete the application close at hand, the process should take no more than 10 to 15 minutes.

How can I check the status of my application?

After submitting your application you get an Application ID. Use this to check your application’s status through the Card Services website or by calling 1300 135 538.

What credit limits do these cards come with?

The low rate card offers minimum and maximum credit limits of $2,000 and $15,000, respectively. The platinum card’s minimum limit is $6,000, and its maximum limit is $30,000.

Can the limit of my card increase?

You can request for an increase in your credit card’s limit but you have to meet certain criteria to qualify.

Can I get a card for an additional cardholder?

You can get up to four free additional cards.

How do I earn reward points?

Use your platinum card to earn reward points, where every dollar you spend earns 1.25 reward points. You earn these points upon making eligible purchases, which can be online, over the phone, or in-store.

How do I know how many points I have?

While your periodical credit card statement keeps you posted, you can also find out by visiting the Card Services website or by calling 1300 135 538.

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

The platinum card enables you to earn up to 100,000 reward points in every 12 months cycle. These points don’t expire as long as your account remains default-free.

What can I get in exchange for my reward points?

You can exchange your reward points for a variety of store and travel vouchers. By using your points in the form of cashback you can pay your card’s annual fee or reduce your account’s balance. You can turn to Take Fight to book a flight ticket, or you can transfer your points to a frequent flyer program like Velocity, Emirates Skywards, or KrisFlyer.

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. When calling after hours, you should call 1300 135 538.

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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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