UniBank Credit Cards

Compare the features of UniBank’s Visa credit card, including a low interest rate and no annual fee ever.

Posted Jul 31, 2020

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.

UniBank offers a single Visa credit card account with simple, low-cost features and contactless payment options. As the name suggests, UniBank accounts are designed for people who study or work at Australian universities and you need to be a member to apply. You can use this guide to learn more about UniBank credit cards and the benefits available to members.

Name	Product	Purchase rate	Interest-free period	Annual fee	Balance transfer rate
UniBank Credit Card		7.9% for 6 months, reverts to 11.5% p.a.	Up to 55 days on purchases	$0	7.9% p.a. for 6 months	Enjoy 7.9% p.a. for 6 months on purchases and balance transfers and a $0 annual fee for the life of the card.	More Info	Compare	loading Fetching your data...

Compare up to 4 providers

Types of UniBank credit cards

UniBank offers one Visa credit card, which has both no annual fee and a low variable interest rate on purchases and cash advances at 11.5% p.a. If you're a new cardholder, you can also take advantage of a lower introductory interest rate for the first 6 months. The UniBank Credit Card also offers 24-hour security support and contactless payments – including through your mobile phone if it has Apple Pay, Google Pay or Samsung Pay.

Benefits of banking with UniBank

If you're interested in becoming a UniBank member and getting this credit card, some of the features you'll get include:

No annual fee

The UniBank Credit Card gives you a way to save on credit card costs, with a $0 annual fee for life.

Low interest rates

When you first get the UniBank Credit Card, you'll enjoy an introductory rate of 7.9% p.a. for the first 6 months. After that, you'll pay a low variable rate of 11.5% p.a. Unlike some credit cards, the same interest rate applies to any purchases, balance transfers and cash advances made with the UniBank Credit Card.

Contactless payments

The UniBank Visa credit card lets you tap-to-pay at the checkout. You also have the option of paying straight from your mobile phone or other device with Apple Pay, Google Pay or Samsung Pay

Visa benefits

This Visa card gives you access to offers on shopping, entertainment, travel and more through Visa Offers + Perks. It also comes with a zero liability policy to help protect you against fraudulent transactions, plus extra security when you shop online through the Visa Secure verification service.

Ethical banking initiatives

UniBank is carbon neutral and does not lend money to the fossil fuel industry. It puts profits back towards the education sector and is committed to not making any donations to political candidates or organisations. It also has clear guidelines and reporting standards for social responsibility, including independent certification through the Responsible Investment Association Australasia (RIAA) for a range of its products.

How to apply for a UniBank credit card

If you've compared different credit cards and chosen the Visa offered by UniBank, you can apply online in around 15 minutes. As part of the application process, you'll need to become a member of UniBank for a fee of $10 (if you're not already a member).

Get started now by making sure you meet the following eligibility criteria and have all the relevant documents and details on hand to complete your application.

Eligibility criteria

Membership. You can join UniBank if you are a current or retired Australian university employee, graduate, post-graduate or student. You can also apply if one of your family members is a current UniBank member.
Age. You must be at least 18 years of age to join UniBank and to apply for a credit card.
Australian residency status. You must be an Australian citizen or permanent resident.

Documents and details

Personal information. You need to provide details including your full name, date of birth, residential address, contact details and relationship status. If you're signing up as a member, you also need to provide valid ID, such as your driver's licence or passport.
Employment information.This covers your main source of income and includes details of your current role, length of time in the position and your employer's contact details. You may also need to provide recent payslips, bank statements or your latest ATO tax assessment notice to verify these details.
Financial information.As well as your income, you need to share details of your savings, any other assets, as well as existing debts, loans and cards. You also have to give an estimate of your share of regular household expenses, such as rent, mortgage repayments, utility bills and grocery shopping.

Thank you for your feedback!

Amy Bradney-George

Amy Bradney-George is the acting editor for credit cards and has more than 13 years’ experience writing about personal finance. She has bylines in publications including The Sydney Morning Herald, ABC News and The Equity Magazine. A passionate writer, she’s also acting editor for Finder X and senior writer for Finder Green. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not writing she spends her time as an actress.

More guides on Finder

Citi Rewards Card – Exclusive Offer
Take advantage of a 0% balance transfer offer for 30 months and a discounted annual fee for the first year with this exclusive Citi Rewards credit card offer.
Health Professionals Bank Credit Card
Get an introductory rate of 7.9% p.a. on purchases and balance transfers for 6 months and save with an ongoing $0 annual fee with the Health Professionals Bank Credit Card.
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.
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.
No interest monthly fee credit cards
New no interest monthly fee credit cards, like the NAB StraightUp and CommBank Neo, offer no interest charges, limits up to $3,000 and only charge a monthly fee when you use it. Read more to find out more about how they work in our comprehensive guide.
Why “no interest” credit cards are really “monthly fee” cards
How to use this new credit option to your advantage.
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.
CBA announces zero interest credit card CommBank Neo: How does it compare?
The Big Four Bank's new offering comes less than a day after NAB released its own new no-interest card.
NAB StraightUp: How credit cards are changing in a buy now pay later world
As more people turn to Afterpay and other services, NAB is one of the credit card providers making changes.