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 May 23rd, 2017.

WAW MyCard Platinum Rewards MasterCard

Offers extended until 31 July 2017.

February 2nd, 2017

WAW Low Rate MyCard MasterCard

Offers extended until 31 July 2017.

February 2nd, 2017

View latest updates

Jonathan Choi Jonathan
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.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
WAW Low Rate MyCard MasterCard
12.99% p.a.
Up to 55 days on purchases
$75 p.a.
0% p.a. for 9 months
Enjoy up to 55 days interest free period. Plus a low balance transfer offer of 0% p.a. for 9 months.

Compare up to 4 providers

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Enjoy a low balance transfer offer of 0% p.a. for 14 months and a low ongoing purchase rate from BankSA.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy up to 55 days interest-free.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Save with 11.99% p.a. on purchases. Also enjoy the protection of Fraudshield.
Westpac Low Rate Card
0% p.a. for 6 months (reverts to 13.49% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 12 months
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.
Heritage Bank Gold Low Rate Credit Card
11.80% p.a.
0 interest free days
$0 p.a.
0% p.a. for 12 months
Save with 11.8% p.a. on purchases. Also enjoy $0 annual fee.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.

Compare up to 4 providers

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 May 23rd, 2017
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 May 23rd, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
1 Yes 19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Take advantage of 0% p.a. for 18 months on balance transfers with a 1.5% BT fee. Plus, receive an exclusive $129 Virgin Australia Gift Voucher each year.
VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Enjoy a long-term balance transfer offer and earn 1 Citi Reward Point per $1 spent on all eligible domestic and international spend.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($149 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
NAB Premium Card
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate on balance transfers.
VISA/MC: 0 AMEX: 0 Yes 19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info
Qantas American Express Ultimate Card
Fly faster with up to 2.5 Qantas Points per $1 spent and receive a complimentary Qantas domestic return Economy flight every year.
1.5 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every 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
St.George Vertigo Platinum
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
VISA/MC: 0 AMEX: 0 Yes 12.74% p.a. 0% p.a. for 20 months $99 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 0.750 Qantas Points for spending.
0.75 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Citi Simplicity Card
A no annual fee Platinum card with Visa Front Line Access.
VISA/MC: 0 AMEX: 0 No 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
28 Degrees Platinum Mastercard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
No 21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
Yes 11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
NAB Low Rate Platinum Card
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
Yes 13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 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
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases, earn up to 1.5 for every dollar spent on eligible purchases, plus 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.
1.5 Yes 20.24% p.a. $225 p.a. Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum card. Also get the chance to receive 50,000 bonus Reward Points when you spend $2,500 in the first 3 months from card approval plus a waived annual fee for the first year.
1.5 Yes 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Heritage Bank Platinum Credit Card
Take advantage of 0% p.a. for 12 months on balance transfers. Plus, receive complimentary insurance when you travel.
Yes 16.75% p.a. 0% p.a. for 12 months $125 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Enjoy platinum card benefits offering 0% p.a. introductory rate on purchases and balance transfers, combined with an annual fee waiver in the first year.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 6 months (reverts to 19.84% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($90 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.

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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American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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