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Hunter United Credit Card

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Get a low interest rate of 11.99% p.a. on purchases with the Hunter United Low Rate Visa.

If you’re a Hunter United home loan customer, you can also get a discounted interest rate of 11.49% p.a. on purchases made with this card.

11.99% p.a.

Balance transfer rate

11.99% p.a.

Purchase rate

$59 p.a.

Annual fee

55 days

Interest free period


Product NameHunter United Visa Credit Card
Balance transfer rate11.99% p.a.
Purchase rate (p.a.)11.99% p.a.
Annual fee$59 p.a.
Interest free period55 days
Cash advance rate (p.a.)16.99% p.a.
Min credit limit$1,000
Max credit limit$30,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)2.5%
Complimentary travel insuranceNo
Minimum Income$25,000
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationYes


  • A low interest rate of 11.99% p.a. on purchases


  • This is a classic 'no-frills' credit card with no additional features, perks or rewards.
Annual fee$59 p.a.
Minimum monthly repayment3% of the closing balance or $5, whichever is greater
Late payment fee$10
Foreign currency conversion fee (Visa/Mastercard)2.5%

Expert review

Amy Bradney-George

Review by

Amy is an editor and writer at with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

The Hunter United Low Rate Visa offers affordable access to credit, with both a low purchase rate and competitive annual fee. This credit card also sets itself apart from the majority of other low rate options by offering a 0.5% p.a. discount on the purchase rate if you already have a Hunted United home loan.

How to apply

You can apply for the Hunter United Low Rate Visa online, with a secure application form that you can access via your desktop, tablet or mobile device. 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

  • Minimum income. You must earn at least $25,000 (after tax) if you are working, or at least $15,000 p.a. (after tax) if you are retired.
  • Residency. You must be an Australian citizen or permanent resident.

Card benefits

  • Low purchase rate. This card has a purchase rate of 11.99% p.a., which drops to 11.49% p.a. if you already have a home loan with Hunter United.
  • Interest-free days. If you pay the card's entire closing balance by the due date on your statement, you can get up to 55 days interest-free on purchases.

Rates & fees

  • Annual fee. The $59 annual fee on this card is competitive when you compare it with other low rate cards.
  • Cash advance rate. If you use this card to withdraw cash or for any other cash advance transactions, an interest rate of 16.99% p.a. will apply from the time of the transaction. Note that the cash advance rate is 16.49% p.a. if you're an eligible Hunter United home loan customer.

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