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South West Slopes Credit Union Visa Classic Credit Card

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Pay the same low variable rate on purchases and cash advances, and get up to 55 interest-free days on purchases.

The South West Slopes Credit Union Visa Classic Credit Card comes with a competitive interest rate that applies on purchases as well as cash advances. If you use this card suitably you can make use of up to 55 interest-free days on purchases. While the primary card attracts a nominal annual fee, you can get an additional card for free.

13.45% p.a.

Purchase rate

$30 p.a.

Annual fee

55 days

Interest free period

Details

Product NameSouth West Slopes CU Visa Classic Credit Card
Purchase rate (p.a.)13.45% p.a.
Annual fee$30 p.a.
Interest free period55 days
Cash advance rate (p.a.)13.45% p.a.
Min credit limit$500
Max credit limit$20,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)1.5%
Complimentary travel insuranceNo
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationNo

Pros

  • Low interest rate of 13.45% p.a. on purchases and cash advances
  • No late payment fees
  • Up to 55 days interest-free on purchases

Cons

  • No rewards program or travel insurance
Annual fee$30 p.a.
Minimum monthly repayment3% of the closing balance or $20, whichever is greater
Late payment fee$0
Foreign currency conversion fee (Visa/Mastercard)1.5%
Additional cardholder fee$0
Number of Additional Cardholders1

How to apply

You can apply for this credit card online, or by visiting any South West Slopes Credit Union branch. Before you apply, establish if you meet the required eligibility criteria listed below:

Eligibility criteria

  • You are a permanent resident of Australia
  • You are over 18 years of age

Card benefits

  • Interest rates. This credit card comes with a low interest rate of 13.45% p.a. on purchases as well as cash advances. This low rate can lead to significant long-term savings, not only when you use your card for cash advances, but also when you have balances from purchases rolling over from one month to the next.
  • Link to savings. You can use this card to access your own savings, and this allows you to carry one less card.

Rates & fees

  • Annual fee. The South West Slopes Credit Union Visa Classic Credit Card attracts a nominal annual fee of $30 p.a.
  • Interest-free days. If you pay the closing balance of your account in full before every given due date you can get as many as 55 interest-free days, but these interest-free days apply only on purchases and not on cash advances.

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