Unity Bank Credit Cards

The Visa Credit Card is a no-frills, low rate credit card available to members of Unity Bank.

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Unity Bank

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Unity Bank is a member-owned bank offering loans, insurance, savings accounts and more to its members. To join Unity Bank you must work in the Power, Mining or Maritime industry. Or, live in the surrounding communities of Bankstown, Bathurst/Central West or Collie. Unity Bank currently offers one credit card, the Unity Bank Visa, a no-frills, low rate credit card with a low annual fee.

The Unity Bank Credit Card

$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
Unity Bank Visa Card
7.99% p.a. for 6 months
7.99% p.a. for 6 months, reverts to 9.99% p.a.
$0 annual fee for the first year ($60 p.a. thereafter)
Receive up to 55 days interest-free on purchases and add an additional cardholder for $0.
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Benefits of Unity Bank credit cards

Getting a credit card through the Unity Bank comes with a number of benefits, and here’s what you can expect.

  • Interest-free days with a difference

With most credit cards you have to pay your balance in full each month to be eligible for interest-free days on purchases, but the Unity Bank credit card works differently. With this card, your outstanding amount notwithstanding, you get up to 55 interest-free days on all purchases.

  • Annual fee waiver

Look forward to a $0 annual fee for the first year. If you have the All in One Home Loan with Unity Bank, the annual fee does not apply at all.

  • Introductory rate

This low rate card offers an even lower introductory rate that stays in place for the first six months. While this introductory rate applies on purchases, you can also use it to transfer balances from existing credit cards and store cards.

  • Global access

More than 24 million merchants in around 220 countries accept Visa as a form of payment so you can use your Visa credit card just about anywhere. You can use any ATM that displays the Visa logo to withdraw cash. Your card also gives you the convenience to make online and phone transactions, whether it’s to shop or to pay bills.

  • Contactless payments

Unity Bank offers compatibility with all 3 major digital wallets: Google Pay, Samsung Pay and Apple Pay, which allows you to make contactless payments with your eligible smartphone or wearable device at the checkout.

How to apply for a Unity Bank credit card

You can apply for a Unity Bank credit card by visiting a branch or you can request a callback from a Unity Bank specialist. You have the option to download an application and you can also complete one online. To get started with an online application, simply click on the ‘Go to Site’ button located next to the credit card’s details. Before you begin with the application, establish that you meet the following eligibility criteria.

Application criteria

  • You are aged over 18 years
  • You are an Australian citizen or a permanent resident of Australia
  • You have good credit history
  • You have a steady source of income

Required documents

  • Personal details. These include your complete name, date of birth, marital status, number of dependents, and driver’s license number.
  • Contact details. These include your home address, email address, phone number, and the most convenient time to call.
  • Employment details. This section requires you to enter your occupation, employment status, employer’s name, employment address, and length of employment.
  • Income. Provide details of income from all sources.
  • Monthly expenses. Provide details about rent, mortgage payments, loan payments, credit card payments, and other ongoing expenses for food, bills, transportation, and so on.
  • Assets. Assets include equity in home, vehicles, household goods, savings, term deposits, and superannuation.

After you submit your application you receive a reference number that you can use to track your application, and a Unity Bank rep should contact you within 48 hours. Unity Bank, in all likelihood, would call your employer to carry out a routine income verification process.

Upon approval, if you’re not an existing Unity Bank member you’ll have to become one before receiving your card. You’ll also have to complete an identity verification process, as mandated by the Australian government, and this might require you to visit a Unity Bank branch.

Frequently asked questions

Answers to commonly asked questions about Unity Bank credit cards. You can use the form at the end of the page to ask a question.

How quickly can I complete the online application?

The application should take around 10 minutes to complete, but it requires that you have access to different kinds of information. You can save your application in between and access it using your email address and a PIN.

Can I check my application’s status?

You get a reference number after submitting your application, and you can use this number to track the progress of your application.

Can I get an additional card and does it attract a fee?

You can apply for an additional card and there is no additional card fee.

What is the credit limit of this card, and can I request for an increase?

The minimum credit limit of this card is $1,000 and the maximum is $30,000. While you can submit an application for an increase in your card’s limit, you have to meet certain criteria to qualify, and there is no guarantee of approval.

What happens to the introductory rate after six months?

The introductory rate applies to all purchases you make within six months from the date of your card’s approval, and at the end of this period any outstanding balance starts attracting the card’s standard variable rate.

How can I make payments?

You can set up automatic payments linked directly to your payroll, and you have the option of setting up direct debits using a transaction or savings account. You can transfer funds via online or phone banking. Other options include making payments at Unity Bank branches or National Australia Bank branches.

Does this card offer any rewards?

Unity Bank credit cards don’t come linked to any kind of a rewards program.

What should I do if I lose my card?

To report a lost or stolen card within business hours you should call Unity Bank on 1300 36 2000. If you’re calling after hours, call the Visa toll free number on 1800 450 346.

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More guides on Finder

  • Unity Bank Visa Credit Card

    A no fuss credit card which offers a low introductory rate for 6 months and no annual fee for the first year.

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