Hunter United Credit Card

Information verified correct on December 8th, 2016

Hunter United credit card is an award-winning Visa Credit Card from Hunter United credit union.

Hunter United credit union is the largest community-based financial institution primarily serving the Hunter Valley. The financial institution was founded in 1963 as the BHP Employees' credit union. Having 8 branches in Hunter Valley, Hunter United is arguably the largest local-based credit union.

Product NameHunter United Visa Credit Card
Purchase rate (p.a.)11.49% p.a.
Annual fee$59 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)16.49% p.a.
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$25,000
Minimum Monthly Repayment3%
Minimum Income$30,000
Card TypeVisa
Late Payment Fee$25
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
2% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationYes
Minimum Income$30,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$25,000
Annual Fee$59 p.a.
Minimum Repayment3%
Late Payment Fee$25
Over Limit Fee$25
Overseas Emergency Replacement$100
Overseas ATM Balance check$1.50
Overseas ATM Withdrawal Fee$1.50
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
2% of transaction value
Gambling Transactions AllowedNo
In BranchYes

Features of the Hunter United credit card

The credit card offers the following main features;

  • Annual fee. There is an annual fee of $59
  • Competitive interest rate. This credit card has an interest rate of 11.49% p.a. on purchases.
  • Interest free days. Enjoy up to 55 days interest free days on purchases, but remember that you need to pay your balance in full at the end of every credit card statement period.
  • Credit limit. There is a maximum credit limit of up to $25,000.
  • Repayments. You can choose to make your repayments monthly, fortnightly or weekly. You can also choose to repay your credit card early without penalty.

How to apply for a Hunter United credit card

To ensure the application process is easy and fast, Hunter United offers two options: online application and offline application.

Offline application

This involves either visiting your nearest branch and filling out the application form, or calling the branch to fill the form over the phone. Although this is a more traditional way of doing things, it is still a great way of applying for your credit card.

Online application

Applying for your Hunter United credit card should not take you more than five minutes. With the online application, you have the option of either filling the online form or downloading the application form, filling it, and dropping it into your nearest branch. The following checklist should help you in the application process;

  • I am 18 years old or older.
  • I am a permanent resident of Australia.
  • I earn a net income of at least $30,000 per annum (pre-tax).
  • Additional cardholders and I have signed the application form.
  • I have included the necessary proof of income.
  • I have included a copy of my last credit card statement.

How to apply for a balance transfer with Hunter Union

Hunter United credit card lets you perform a balance transfer. This is the transfer of all outstanding balances from your existing credit card to a new one.

Balance transfers are usually used by card holders who want to move their debt to a credit card with a much lower interest rate. To apply for a balance transfer, you simply fill out a Hunter United Visa Credit Card Balance Transfer Request. The form can be found on their official website.

What other products do Hunter United offer?

Apart from their attractive Visa credit card, Hunter United offers other financial services, which include savings, loans, investments, and Superannuation and Retirement. The institution has a number of transaction and saving accounts, which carry different rates of interest.

For borrowers, Hunters limited has personal loans, car loans, home loans, and green loans. To ensure you retire in peace, the institution has three Superannuation and Retirement plans: individual, self managed and employer plans.

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