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.
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.
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.
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.
Back to topHow 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.
Back to topFrequently 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.
