Credit Union SA Visa Credit Card

Pay no interest on balance transfers for 6 months and save with a low annual fee.

The Credit Union SA Visa credit card offers cost-saving features with an interest-free balance transfer offer, competitive purchase rate and low annual fee. When you pay your balance in full each statement period, you’ll also access up to 55 interest-free days on purchases.

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0% p.a.

Balance transfer rate

for 6 months

10.49% p.a.

Purchase rate

$39 p.a.

Annual fee

55 days

Interest free period

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Product NameCredit Union SA Visa Credit card
Balance transfer rate0% p.a. for 6 months
Balance transfer revert rateBalance Transfer Revert Rate (10.49%)
Purchase rate10.49% p.a.
Annual fee$39
Interest-free periodUp to 55 days on purchases
Cash advance rate10.49% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • 0% on balance transfers for 6 months
  • Same low interest rate of 10.49% p.a. on purchases and cash advances
  • $0 annual fee when linked to a Home Loan Package


  • Charges a 3% foreign transaction fee
  • No rewards program
Bonus pointsN/A
Annual fee$39
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$10
Foreign currency conversion fee3%
Overseas ATM withdrawal fee$0

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Credit Union SA Visa combines a low annual fee with competitive interest rates on both purchases and cash advances. You can also repay an existing debt without the burden of interest with 0% on balance transfers for 6 months.

How to apply

You can apply for the Credit Union SA Visa credit card online. Just make sure you meet the eligibility criteria and have the necessary information to complete the application.

Eligibility criteria

  • Income. You must be receiving a regular income.
  • Age. You can apply if you're at least 18 years old.

Card benefits

  • Balance transfer offer. Transfer an existing debt to this card and save with 0% interest on balance transfers for the first 6 months. If you don't pay it off in full by the end of the introductory period, any remaining debt will attract the 10.49% p.a. interest rate.
  • Additional cardholders. You can get Credit Union SA to issue an additional card to any individual you nominate, as long as the individual is over 18 years of age.

Rates & fees

  • Annual fee. This card charges a $39 annual fee.
  • Interest rate. Purchases and cash advances attract a 10.49% p.a. interest rate.

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