UniBank Credit Cards

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

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UniBank

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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% p.a. 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.
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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.

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