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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 July 28th, 2017
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Receive an annual fee discount in the first year and the ability to make contactless payments with Visa payWave technology.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Offers a low $500 minimum credit limit, special offers from Visa Entertainment and Tap and Pay capabilities.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
Manage and secure your card with the free Bendigo Bank Protect+Pay app and add an additional cardholder for $0.
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Add additional cardholders for $0 and pay using Apple Pay. Also enjoy exclusive offers with the home&Away Privilege Program.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Get a range of complimentary insurance covers, access to a 24/7 concierge and the convenience of Visa payWave contactless technology.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel and purchase insurances and a 24/7 personal concierge.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy the protection of 7 complimentary insurances including overseas travel and purchase protection insurance.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
With a low minimum credit limit of $1,000, this no frills card allows you to add up to 3 additional cardholders for $0 and has Mastercard PayPass.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 18 months
A no-frills Visa with the protection of a zero liability policy and the 24/7 Falcon® Fraud service. Plus, a discounted annual fee in the first year.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 12 months (reverts to 20.74% p.a.)
Up to 44 days on purchases
$129 p.a.
0% p.a. for 6 months
Until 31 July 2017, save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% BT fee. Plus, the convenience of the Westpac mobile banking app.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Take advantage of the optional insurance coverage of CreditShield Edge. Plus, enjoy the convenience of contactless payments with Visa payWave.
CUA Low Rate Credit Card
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 13 months
Offer a low minimum credit limit of $500, the ability to use Apple Pay and Android Pay and a discounted annual fee for the first year.

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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 July 28th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, long-term balance transfer offer with platinum privileges, including travel insurance.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$99 p.a.
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% p.a. balance transfer fee.
Virgin Australia Velocity Flyer Card - Exclusive Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
NAB Rewards Platinum Card
19.99% p.a.
0% p.a. for 6 months
$195 p.a.
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
Citi Rewards Platinum Credit Card
20.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Apply by 31 July 2017 to enjoy a long-term balance transfer offer of 0% p.a. for 24 months with a 1.5% balance transfer fee.
ANZ Platinum Credit Card - Exclusive Offer
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)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
HSBC Platinum Qantas Credit Card
19.99% p.a.
$199 p.a.
Enjoy complimentary membership to the Qantas Frequent Flyer program and international travel insurance.
American Express Explorer® Credit Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 20 months
$99 p.a.
Take advantage of a 0% p.a. for 20 months on balance transfers offer with no balance transfer fee.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
20.74% p.a.
0% p.a. for 18 months
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
Exclusive to finder.com.au, take advantage of 0% p.a. for 18 months on balance transfers and a discounted annual fee in the first year.
ANZ Frequent Flyer Platinum
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Receive a complimentary Qantas Frequent Flyer membership and a range of included insurance covers.
Citi Simplicity Card
19.99% p.a.
0% p.a. for 6 months
$0 p.a.
Earn 10% cashback on eligible purchases (capped at $50 per month) for the first 4 months from card approval.
ANZ Low Rate Platinum
11.49% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$99 p.a.
Enjoy platinum benefits with exclusive discounts, complimentary travel and purchase insurances and a 24/7 personal concierge.
NAB Low Rate Platinum Card
13.99% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$100 p.a.
Take advantage of a 0% p.a. for 16 months on balance transfers and the protection of 7 complimentary insurances.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 12 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
ANZ Rewards Travel Adventures card
20.24% p.a.
$225 p.a.
No overseas transaction fee on purchases, plus a complimentary domestic return flight each year when you meet the eligibility criteria.
ANZ Rewards Platinum
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Enjoy accelerated points earning and great platinum features including complimentary travel insurance and purchase protection.
Westpac 55 Day Platinum Credit Card
19.84% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
Take advantage of a 0% p.a. for 18 months on balance transfers offer, plus up to 55 days interest-free on purchases.
NAB Velocity Rewards Premium Card
19.99% p.a.
0% p.a. for 6 months
$150 p.a.
Offers up to 1 Velocity point per $1 on purchases, combined with complimentary insurance covers and a concierge service.
Bank of Melbourne Amplify Platinum
19.49% p.a.
$99 p.a.
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary travel insurance and purchase protection.

Compare up to 4 providers

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.

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

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.

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.

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

You can get up to four free additional cards.

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.

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.

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.

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.

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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