WAW Credit Union Credit Cards

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Support your spending with a low rate or give it the platinum boost it needs — all with WAW credit union.

WAW Credit Union came into effect after the merger of three credit unions — Our Lady's Wangaratta Co-operative Society, St. Patrick's Co-operative Credit Society in Wangaratta and the Wodonga Co-operative Society. Both Wangaratta societies began operations in 1964 and merged in 1970. The coming together of the Wangaratta and Wodonga credit unions took place in 1976, and in 1980 it became known as WAW Credit Union Co-operative Limited. Beechworth and Ovens Credit Union merged with WAW in 1988, and Bandiana followed in 1998. WAW now offers its services to around 23,000 members from 13 service centres. As part of its offerings, it offers two credit cards options to suit most credit card spending needs.

Comparison of WAW Credit Union Credit Cards

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
WAW Low Rate MyCard MasterCard
Enjoy up to 55 days interest free period. Plus a low balance transfer offer of 0% p.a. for 9 months.
12.99% p.a. 0% p.a. for 9 months $75 p.a. More info
WAW MyCard Platinum Rewards MasterCard
Enjoy a low offer of for months on purchases and balance transfers.
20.24% p.a. 0% p.a. for 14 months $159 p.a.

Types of credit cards that WAW Credit Union offers

If you’re turning to WAW Credit Union to look for a credit card, your options include a low rate card and a platinum card.

  • Low rate credit cards

    If you find yourself not paying your credit card balance in full each month, a low rate card might be an option for you to consider. The low rate means you won't rack up too much interest when you carry a balance over month-to-month. The Low Rate MyCard MasterCard that you can apply for as a WAW member comes with a special balance transfer interest rate offer, you can get as many as 55 days interest-free days on purchases, and you get up to 4 additional cards for free.

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
WAW Low Rate MyCard MasterCard
Enjoy up to 55 days interest free period. Plus a low balance transfer offer of 0% p.a. for 9 months.
12.99% p.a. 0% p.a. for 9 months $75 p.a. Up to 55 days on purchases More info
Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about Low Rate Credit Cards
  • Platinum credit cards

    A typical platinum card gives you access to standard credit card features as well as special benefits such as reward points and insurances. The Platinum MyCard MasterCard that WAW offers comes with free enrolment to the Card Services Rewards Program, cardholders get access to a concierge service and it also comes with a number of complimentary insurance covers. The same as the low rate card, the platinum offering comes with a special interest rate offer on balance transfers and purchases, you can get up to 55 days interest-free days on purchases, and up to 4 additional cards are free.

Rates last updated December 7th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
WAW MyCard Platinum Rewards MasterCard
Enjoy a low offer of for months on purchases and balance transfers.
1 Yes 20.24% p.a. 0% p.a. for 14 months $159 p.a.
Rates last updated December 7th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
Yes 0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
VISA/MC: 1 AMEX: 2 Yes 20.24% p.a. $225 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
VISA/MC: 0 AMEX: 1 Yes $1,200 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
VISA/MC: 0.66 AMEX: 0 No 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
VISA/MC: 1 AMEX: 0 Yes 20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
Learn more about Platinum Credit Cards
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Benefits of banking with WAW Credit Union

WAW Credit Union members can look forward to reduced fees and charges coupled with high levels of personalised service. This credit union, like others, have their products designed to benefit members. Getting a credit card through this credit union comes with the following advantages.

  • Discounted annual fee

If you apply for the Low Rate or Platinum MyCard MasterCard before a certain date you get to keep paying a discounted annual fee for as long as you keep your account active.

  • Free insurance covers

Complimentary purchase covers and guaranteed pricing schemes come with both the low rate and platinum cards. Platinum cardholders also receive additional cover in the form of extended warranty insurance, interstate flight inconvenience insurance, international travel insurance and transit accident insurance.

  • Platinum concierge service

As a platinum cardholder you can turn to the platinum concierge service 24 hours a day, and this service provides assistance globally. You can use it to book tickets for live performances, sporting events, and movies or you can use it to locate restaurants and make reservations. It can also assist you in making travel plans, from booking flights to hotel rooms and you can also turn to it for business related services and functions of different kinds.

Applying for a WAW Credit Union credit card

You can contact a WAW Credit Union loan specialist over the phone to initiate the application process, or you can visit a WAW service centre. You can also submit an online enquiry form through the WAW website, and to do so click on the ’Go to Site’ button next to your chosen card’s description. To apply for a MyCard MasterCard you have to fulfill the following application criteria:

  • You’re at least 18 years old
  • You’re a permanent Australian resident
  • You don’t have bad credit history

The application requires that you provide different kinds of information, so prepare to part with the following:

  • Personal information. This includes your name, date of birth, address, phone number, marital status, and number of dependants.
  • Employment information. Your employment status, employer’s name, phone number, and address will be required.
  • Financial information. This section requires information surrounding your income, expenditure, assets, and liabilities. In addition to your salary details, provide information of your income from other sources. Examples of expenditure include rent, food, utilities, transportation, and school fees. Assets include real estate, vehicles, investments, and savings. You also have to provide details about liabilities, like credit cards and loans.

What happens after I apply?

After you submit your application you can expect a Card Services representative to get in touch with you to gather additional information. An income verification call could go to the payroll department at your place of employment. If you want a credit card through this credit union you’ll have to become a member before you can receive your card. New members have to go through an identity verification process.

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Frequently asked questions

Certain questions are all too common when it comes to WAW credit cards, so some of these are listed below. You can use the form at the end of this page to ask a question if you don't find the answer you need below.

Is completing the application a lengthy process?

Begin with all the required information easily accessible and you can complete the application in around 10 to 15 minutes.

How can I make repayments?

You can make repayments by setting up direct debits using an Australian bank account. You can mail cheques, you can make payments by visiting a WAW service centre and you can also make payments via phone and online banking.

How can I get an additional card?

You can request an additional card in your application form, or you can submit an additional card request form at a later time.

Do I have to pay anything to join the rewards program?

Enrolment to the Card Services Rewards Program is free for platinum cardholders.

How do I keep track of my reward points?

Log on to the Card Services website or call Card Services directly to find out about your rewards points. You can also refer to your credit card statement.

How many reward points can I earn?

In each 12-month cycle you can earn up to 100,000 points.

Do reward points expire?

You reward points don’t expire as long as you keep operating your credit card as per its terms and conditions.

How do I earn reward points?

You earn reward points by using your platinum card to make eligible purchases. These can be in brick-and-mortar stores, online, or over-the-phone. Every dollar you spend earns 1.25 reward points.

How do I redeem reward points?

You can redeem accumulated reward points by visiting the Card Services website or by calling Card Services.

What can I get when redeeming reward points?

Take Flight allows you to book flight tickets, and you can transfer your reward points to frequent flyer programs like Emirates Skywards, KrisFlyer, and Velocity. You can choose from a wide range of merchandise, store vouchers, and travel vouchers, or use your points as cashback to reduce your account’s outstanding balance or to pay your card’s annual fee.

Can additional cardholders earn and redeem reward points?

Additional cards linked to a platinum card earn reward points. Primary and first additional cardholders have the authority to redeem reward points, and the primary cardholder can grant this authority to other additional cardholders as well.

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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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