Get the Finder app 🥳

Track your credit score

Free

Summerland Credit Union Credit Cards

Compare credit cards from Summerland Credit Union, including low rate, rewards and balance transfer options.

Updated

Fact checked

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .

Summerland Credit Union has two different Visa credit card options: a low rate credit card that has a competitive interest rate for purchases and a rewards credit card that gives you a way to earn cashback on your account. Use this guide to learn more about Summerland credit cards and the benefits of banking with this northern NSW credit union.

Summerland Credit Union Credit Cards Comparison

Data indicated here is updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Summerland Low Rate Credit Card
N/A
11.99% p.a.
$0 annual fee for the first year ($49 p.a. thereafter)
Save with a $0 first year annual fee and 0% p.a. introductory rate on balance transfers.
Summerland Rewards Credit Card
N/A
Rewarder Rewards Program
1
18.99% p.a.
$0 annual fee for the first year ($79 p.a. thereafter)
Earn cash back rewards for your spending and save with $0 first year annual fee and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
loading

Compare up to 4 providers

What types of credit cards does Summerland offer?

  • Low rate credit card

    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 take advantage of 0% p.a. for 9 months on balance transfers when you request the transfer at the time of your application.

Learn more about low rate credit cards

  • Rewards credit card

    The Summerland Rewards credit card earns 1 point per $1 spent on eligible purchases, with 1,000 points converting to $10 cashback on your account. This cashback is automatically converted and added to your account every six months. The Summerland Rewards credit card has a $0 annual fee for the first year (reverts to $79 p.a.) and offers an introductory 0% p.a. balance transfer rate for the first 12 months.

Learn more about Rewards Credit Cards

Benefits of banking with Summerland Credit Union

Here are the features and services you can look forward to if you choose one of these Summerland Credit Union credit cards:

  • $0 annual fee in the first year

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 reverts to $49 p.a., while the annual fee for the Rewards card reverts 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 enjoy 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 Verified by Visa. You can also make faster online payments through Visa Checkout and access exclusive offers on entertainment, shopping, dining and more through Visa Offers + Perks.

How to apply for a Summerland Credit Union Credit Card

You can apply for a Summerland credit card online in a few minutes. 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 a citizen or permanent resident of 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 member, you will also have to apply for Summerland membership before you can get a new credit card. This is a simple process, but you may need to visit a Summerland branch as part of the identification process.

Frequently asked questions

Back to top

More guides on Finder

  • Bank Australia Commercial Visa credit card

    Designed to help you track business spending, this Bank Australia credit card offers cards for employees and interest-free days on purchases.

  • Defence Bank Foundation Credit Card

    This card gives you a way to support a program that matches rescue dogs with veterans in need and enjoy a low interest rate on all your spending.

  • Diners Club Business Card

    The Diners Club Business Card can be used to earn points per $1 with over 35 million merchants – including Officeworks, Qantas and Woolworths.

  • Frequent Flyer Diners Club card

    Diners Club isn’t as widely accepted as other cards, but you can still earn 1 Qantas Point per $1 at major retailers with this card.

  • Diners Club Personal Card

    Diners Club offers a competitive rewards program, travel and shopping perks and can be used at businesses including Coles, Woolworths and Target.

  • Illawarra Credit Union Low Rate credit card

    The Illawarra Credit Union Low Rate credit card gives you simple features, mobile payments and a $0 annual fee in the first year.

  • Credit cards vs buy now pay later

    Both buy now pay later plans and credit cards give you ways to pay off purchases over time – here's how they compare.

  • CommBank Neo card

    A new type of credit card to the Australian market, the CommBank Neo doesn’t charge any interest but has a monthly fee instead. Find out more in our comprehensive review.

  • NAB StraightUp card

    Unlike other credit cards, the NAB StraightUp doesn’t charge any interest but has a monthly fee instead. Find out more here.

  • Finder Awards 2020 Best Balance Transfer Credit Card

    Winner, finalists and methodology for Finder Awards 2020 Best Balance Transfer Credit Card.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
loading

Compare up to 4 providers

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

Go to site