Summerland Credit Union is a member-owned financial institution based in northern 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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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 get 0% p.a. interest on balance transfers for 9 months when you request a transfer for the balance at the time of your application.
The Summerland Rewards Credit Card earns 1 point per $2 spent on eligible purchases, with 1,000 points converting to $10. This cash is added back to your account every month, giving you an equivalent 0.5% cashback on your spending. The Summerland Rewards Credit Card also has a $0 annual fee for the first year (then $79 p.a.) and offers an introductory 0% p.a. balance transfer rate for the first 12 months.
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 goes to $49 p.a., while the annual fee for the Rewards card goes 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 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 Credit Union 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 Credit Union credit card to your digital wallet to make payments straight from your phone or devices.
How to apply
You can apply for a Summerland Credit Union credit card online in a few minutes by filling in a secure form on the credit union's website. 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 an Australian citizen or a permanent resident with the right to work in 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 Credit Union member, you will also have to complete the membership and identification process by visiting a branch.
If you have any questions about your application, you can call Summerland Credit Union on 1300 802 222.
Credit card brands similar to Summerland Credit Union
If you want a credit card from a credit union or member-owned bank, here are 3 other credit card providers you could compare with Summerland Credit Union:
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.
The Rewards card offers an equivalent 0.5% cashback on eligible spending, which is automatically added back to your account. Eligible spending includes groceries, retail shopping, petrol, dining and most everyday purchases. Exclusions include balance transfers, cash advances, BPAY payments, payments to other credit card accounts and transactions that exceed your credit limit.
Reward details are also included on your monthly credit card statement.
Summerland Credit Union 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 Credit Union invests back into its products, services and the community.
To report a lost or stolen card during business hours, call 1300 802 222. If you are overseas, call +612 6623 5498.
Contact details and related links
Summerland Credit Union phone number: 1300 802 222
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
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