Can I get an additional card?

If you want to share your Unity Bank credit card with a family member or someone else, you can request an additional card by filling in an application form on the website or in a branch. There is no additional cardholder fee but you will still be responsible for managing repayments and all other aspects of the account.

How can I make repayments?

You can make your card repayments by payroll deduction, direct debit from your savings or transaction account, Internet banking transfer, at any branch. Your credit card statement will show the minimum repayment amount and due date, so make sure you factor in enough time for a payment to be processed.

What should I do if I lose my card?

To report a lost or stolen card, you should call Unity Bank on 1300 36 2000 (8am to 7pm AEST, Monday - Friday). If you’re calling after business hours, call the Visa toll-free number on 1800 450 346.

Unity Bank Credit Cards

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Unity Bank is a member-owned bank with a strong history and focus on the maritime, mining and power industries.
It offers two credit cards with simple, cost-effective features and one rewards credit card with premium benefits - Unity Bank Low Rate Visa, Unity Bank Low Rate Business and Unity Bank Platinum Visa credit cards.

Compare Unity Bank Credit Cards

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Unity Bank Low Rate Business Credit Card	Purchase rate p.a. 12.49%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 50 days on purchases	Balance transfer rate p.a. N/A	Annual fee $50	View details Compare product selectionCompare	loading
Unity Bank Platinum Visa Credit Card Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points 30,000	Points per $ spent 1	Interest-free period Up to 50 days on purchases	Balance transfer rate p.a. N/A	Annual fee $299	View details Compare product selectionCompare	loading

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Benefits of getting a credit card with Unity Bank

Visa benefits

Unity Bank credit cards can be used to pay in over 200 countries and regions around the world, anywhere Visa cards are accepted. You'll also get access to exclusive shopping, dining, travel and entertainment deals through Visa Offers + Perks.

Contactless payments

You can add a Unity Bank credit card to Apple Pay, Google Pay, and Samsung Pay to shop straight from your mobile phone or device.

24-hour banking

The Unity Bank app and internet banking services give you a way to check your credit card balance, make payments and manage other features of your account at any time. You can also use phone banking at any time by calling 1300 36 2000 or visit a branch during office hours.

How to apply for a Unity Bank credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

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Frequently asked questions

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Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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Unity Bank Credit Cards

Unity Bank offers a range of credit cards with simple, low-cost features, platinum benefits, and worldwide acceptance through Visa.