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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.

13.45% p.a.

Purchase rate

$30 p.a.

Annual fee

55 days

Interest free period

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Details

Product NameSouth West Slopes CU Visa Classic Credit Card
Purchase rate13.45% p.a.
Annual fee$30
Interest-free period55 days
Cash advance rate13.45% p.a.
Min credit limit$500
Max credit limit$20,000
Card typeVisa
Foreign currency conversion fee1.5%
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
Minimum monthly repayment3% of the closing balance or $20, whichever is greater
Late payment fee$0
Foreign currency conversion fee1.5%
Additional cardholder fee$0
Number of additional cardholders1

Expert review

Sally McMullen

Review by


Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Southwest Slopes Visa Classic is a no-frills credit card that offers the same 13.45% p.a. interest rate for purchases and cash advances, as well as a competitive $30 p.a. annual fee.

How to apply

You can apply for this credit card online, or over the phone by calling (02) 6384 1111. You could also visit a South West Slopes Credit Union branch. Before you apply, check whether you meet the required eligibility criteria listed below:

Eligibility criteria

  • Australian residency status. You must be a citizen or permanent resident of Australia.
  • Age. You must be over 18 years of age.

Card benefits

  • Interest rate. 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.
  • Mobile payments. Simply link this card to your Apple Pay, Samsung Pay or Google Pay wallet to make contactless payments upon check out using your eligible mobile phone or device.

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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