Western City Credit Union Credit Cards

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Your requirement notwithstanding, Western City Credit Union might have just the credit card you’ve been looking for.

Western City Credit Union’s history dates back to 1965 when it began operations as CMA Employees Credit Union. A merger between CMA Employees Credit Union and MM Employees Credit Union in 1989 gave birth to the name, C & M Credit Union. By 1995, this credit union started offering membership to include communities in Liverpool, Fairfield, Campbelltown, Camden, and Holroyd, and it changed its name to Western City Credit Union. Western City CU became a part of the Community Alliance Credit Union Limited in 2006, and this alliance boasts of around 42,000 members and in excess of $450 million in assets. While the Community Alliance Credit Union Limited has 11 branches in all, Western City CU has two - its head office in Wollongong and a branch in Campbelltown.

Comparison of Western City Credit Union Credit Cards

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Western City Credit Union Platinum Mastercard
Get up to 4 additional cards for free and a low annual fee.
20.24% p.a. $99 p.a. More info

Types of credit cards offered by Western City CU

Given that not everyone wants the same type of credit card, Western City CU gives its members the ability to choose one in accordance to their needs.

  • Platinum credit cards

    Platinum cards tend to charge higher interest rates when compared to their low rate counterparts, but they come with a number of extras. The Western City CU Platinum MasterCard enables you to earn and redeem reward points through the Card Services Rewards Program. It gives you access to a 24/7 platinum concierge service, and offers a number of complimentary insurance covers. This card offers up to 55 interest free days on purchases and comes with a special  p.a. rate for  months on balance transfers and purchases.

Rates last updated December 7th, 2016
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Loan purpose
Offset account
Loan type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Homeloans Ultra Plus Variable Home Loan - $500k+ LVR 80.01% to 90% (Owner Occupier, P&I)
A great package with a discounted interest offer with up to 90% LVR.
3.97% 4.13% $0 $330 p.a. 90% More info
Rates last updated December 7th, 2016
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
$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.
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.
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 getting a Western City Credit Union credit cards

When you deal with a credit union you can look forward to multiple benefits, and dealing with Western City CU is no different. As a Western City CU MasterCard cardholder you can look forward to the following benefits.

  • Platinum concierge service

If you get the Platinum MasterCard you get access to a round-the-clock concierge service. You can turn to this service to reserve tables at restaurants, to book hotel rooms and flight tickets, to buy and deliver gifts, to buy tickets to different kinds of events, and for business-related assistance.

  • Free insurance covers

Purchase cover insurance and guaranteed pricing scheme offer protection to, both, platinum and low rate cardholders. With the platinum card, you also get complimentary interstate flight inconvenience insurance, international travel insurance, and transit accident insurance.

  • MasterCard benefits

Your new MasterCard comes with an embedded microchip, and this offers more protection when compared to magnetic strips. Fraudshield is in place to detect irregular transactions, and upon the detection of any such transaction you get a phone call immediately. With PayPass technology being a part of your card, you can make contactless payments for purchases under $100.

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Applying for a Western City CU credit card

You can apply by visiting a Western City CU branch, and you can begin the process over the phone. You can apply online, and to do so simply click on the ‘Go to Site’ button next to details of the card in question. Take time to establish if you meet the following application criteria.

Application Criteria

  • You’re at least 18 years old
  • You’re a permanent resident of Australia
  • You don’t have poor credit history
  • You have a valid email address
  • To apply for the low rate card you should earn at least $25,000 p.a.
  • To apply for the platinum rate card you should earn at least $30,000 p.a.

While the application does not take much time to complete, it requires that you part with a host of information, which includes the following:

  • About you. Provide your complete name, date of birth, nationality, marital status, number of dependents, driver’s license number, and name and contact details of a relative or friend who does not share the same residential address.
  • Contact details. Provide your residential address, residential status, how long you’ve lived there, phone number, and email address.
  • Job. Select your occupation and industry, and provide your employer’s name and contact details along with time spent with current employer.
  • Income and expenses. Income refers to income from all sources. Expenses include rent, school fees, utility bill payments, transportation costs, and so on. You also have to provide certain details about all your existing debts, which include loans, cards, and overdrafts.

What happens next?

Since your MasterCard application goes to Card Services for review and approval, you can expect a Card Service rep to contact you for additional information. You can play a part in hastening the process by informing your employer’s payroll department of an imminent income verification call. New Western City CU members have to go through an identity verification process, which is a legal requirement.

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Frequently asked questions

You can find answers to most common questions about Western City CU credit cards here, and if you don’t find an answer to any particular question you can use the form at the end of this page to ask.

How much time does it take to complete the online application?

With access to all the required information, you can complete the online application in a matter of minutes.

Can I find out about my application’s status?

Upon completing your application you receive an Application ID. You can use this ID to check your application’s status online, or you can call Card Services on 1300 135 538.

How can I make repayments towards my Western City CU credit card?

To do away with having to remember making payments each month, you can choose to set up automatic repayments using just about any savings or transaction account from an Australian financial institution. You can make payments via Western City CU’s online and phone banking platforms, you can mail cheques, and you can also make payments by visiting a Western City CU branch.

What happens to the introductory rate at the end of the promotional period?

With the low rate card and platinum cards, outstanding balances from balance transfers attract the given card’s cash advance rate. Outstanding balances from purchases made using the platinum card start attracting the card’s purchase rate.

How do I earn reward points?

You earn reward points when you use your platinum card to make retail purchases. These can be in-store, over the phone, or online. Every dollar spent on eligible purchases earns 1.25 reward points.

How do I know how many points I have?

Your credit card statement keeps you posted on this front, and you can also check your points balance online or over the phone.

How many reward points can I earn?

As a platinum cardholder you can earn up to 100,000 reward points in every 12 months cycle.

How can I redeem my reward points?

Visiting the Card Services website gives you an easy way to redeem your accumulated reward points, and you can also redeem your points by calling Card Services on 1300 135 538.

What can I get for my reward points?

If you’re part of a frequent flyer program like Velocity, KrisFlyer, or Emirates Skywards, you can consider transferring your reward points to the same. To book flight tickets using your reward points you can turn to Take Flight. You can use your reward points in the form of cashback, to reduce your account’s balance or to pay your card’s annual fees. You also get various travel and store vouchers from which to choose.

Is there any limit on balance transfers?

Balance transfers cannot exceed 80% of your credit card’s limit.

Can I get an additional card?

You can get up to 4 additional cards for free, and you can apply online or over the phone.

What do I do to report a lost or stolen card?

You should immediately call Card Services on 1300 135 538.

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