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Credit Union SA Education Community credit card

Amy Bradney-George
Amy Bradney-George
Last updated:  

Enjoy a $0 annual fee, 0% introductory rate for 6 months on this low-cost card for education students and workers in SA.

The Credit Union SA Education Community credit card offers an introductory 0% p.a. interest rate for purchases, balance transfers and cash advances for the first 6 months. This reverts to a low variable rate of 9.99% p.a. for all transactions.

0% p.a.

Balance transfer rate

for 6 months

0% p.a.

Purchase rate

for the first 6 months (reverts to 9.99% p.a.)

$0 p.a.

Annual fee

55 days

Interest free period

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Details

Product NameCredit Union SA Education Community Credit Card
Balance transfer rate0% p.a. for 6 months
Balance transfer revert rateBalance Transfer Revert Rate (9.99%)
Purchase rate0% p.a. for 6 months, reverts to 9.99% p.a.
Annual fee$0
Interest-free period55 days
Cash advance rate9.99% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo

Pros

  • Ongoing $0 annual fee
  • 0% interest on purchases, balance transfers and cash advances for 6 months (reverts to 9.99% p.a.)
  • Compatible with Google Pay, Apple Pay, Samsung Pay

Cons

  • No rewards program
Annual fee$0
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Foreign currency conversion fee3%
Overseas ATM withdrawal fee$0

Expert review

Amy Bradney-George

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Credit Union SA Education Community credit card is a low-cost Visa that’s only available for people working in the education community or studying to do so. If you get this card, you’ll pay no interest on purchases, balance transfers or cash advances for the first 6 months, which could help you save on interest charges if you have big-ticket items to buy.

How to apply

You can apply for the Credit Union SA Education Community credit card online by filling in a secure application form. You can also apply by visiting the Adelaide branch (400 King William St) or by calling (08) 8202 7777 from metro areas or 1800 018 227 from country SA.

To get started, make sure you meet the following eligibility criteria and have all the documents and details you need to complete the application.

Eligibility criteria

  • Education worker or student. To get this card, you must be employed in the South Australian education sector or be studying to work in education in SA.
  • Australian residency status. You must be an Australian citizen or permanent resident.

Card benefits

  • 0% p.a. for 6 months. The Credit Union SA Education Community credit card offers an introductory interest-free period for the first 6 months. This 0% p.a. rate applies to purchases, balance transfers and cash advances made during the introductory period. Any balance left over at the end of this period will attract the card's variable rate of 9.99% p.a.
  • $0 annual fee. This card gives you no annual fee for life, which can help keep your credit card costs down.

Rates and fees

  • Interest rates. Outside of any promotion, this card has an ongoing variable interest rate of 9.99% p.a., which is competitive with other low rate cards.
  • Currency conversion fee. A fee of 3% applies for transactions made overseas or online in a foreign currency.

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