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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 July 28th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
WAW Low Rate MyCard MasterCard
12.99% p.a.
0% p.a. for 12 months
$75 p.a.
Enjoy up to 55 days interest-free on purchases, complimentary purchase cover insurance and guaranteed pricing scheme.
WAW MyCard Platinum Rewards MasterCard
WAW MyCard Platinum Rewards MasterCard
20.24% p.a.
0% p.a. for 14 months
$129 p.a.
Earn 1.00 reward point for every $1 you spend, plus complimentary travel and purchase cover insurances.

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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.

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.

Learn more about Platinum Credit Cards

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.

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

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.

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

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

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.

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

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

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.

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

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.

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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