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UniBank Credit Card

Get an introductory interest rate of 7.9% p.a. for the first 6 months and no annual fee for life with the UniBank Visa credit card.

The Unibank Credit Card is a low rate account that offers a 6-month introductory rate of 7.9% p.a. on purchases and balance transfers when you apply as a new cardholder. It also offers mobile payments through Apple Pay, Google Pay and Samsung Pay.

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7.9% p.a.

Balance transfer rate

for 6 months

7.9% p.a.

Purchase rate

for the first 6 months (reverts to 11.5% p.a.)

$0 p.a.

Annual fee

55 days

Interest free period

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Product NameUniBank Credit Card
Balance transfer rate p.a.7.9% for 6 months
Balance transfer revert rateBalance Transfer Revert Rate (11.5%)
Purchase rate p.a.7.9% for 6 months, reverts to 11.5%
Annual fee$0
Interest-free periodUp to 55 days on purchases
Cash advance rate11.5% p.a.
Min credit limit$1,000
Max credit limit$25,000
Card typeVisa
Foreign currency conversion fee2.9%
Available to temporary residentsNo
Joint applicationNo


  • Offers an introductory rate of 7.9% p.a. on purchases and balance transfers for 6 months
  • An annual fee of $0 for the life of the card
  • Extra protection with Visa Zero Liability


  • Does not offer a rewards program or travel insurance covers
Bonus pointsN/A
Annual fee$0
Minimum monthly repayment3% of the closing balance outstanding
Late payment fee$10
Foreign currency conversion fee2.9%
Cash advance fee$4.50
Overseas cash advance fee$4.50

Review by

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

This low-cost credit card from UniBank has no annual fee for life and a variable interest rate of 11.5% p.a. after the promotional 6-month period ends. The introductory rate on this card could save you a little bit on purchases or balance transfers you make during the promotional period, but it’s not as competitive as the 0% p.a. introductory rates offered by other cards.

How to apply

You can apply for the UniBank credit card online in around 15 minutes by filling in a secure application. If you’re a UniBank member, you can sign into you account to apply. If you're not a member, you can join for a $10 fee at the start of the application.

As part of the process, you’ll need to make sure you meet the following eligibility criteria and have all the relevant documents and details on hand to complete your application

Eligibility criteria

  • Age. You must be at least 18 years of age to join UniBank and to apply for a credit card.
  • Australian residency status. You must be an Australian citizen or permanent resident.

Card benefits

  • Low introductory rate. This card offers an introductory rate of 7.9% p.a. for the first 6 months, which applies to both purchases and balance transfers.
  • $0 annual fee. The UniBank Credit Card charges no annual fee, ever. This could save you money compared to other low rate cards that do charge an annual fee.

Rates & fees

  • Interest rate. Outside of any promotions, the UniBank Credit Card has a variable interest rate of 11.5% p.a. that applies to purchases, balance transfers and cash advances.
  • Cash advance transactions. If you use this card to withdraw cash or make any other cash advance transactions at other financial institutions (not UniBank), a fee of $4.50 per transaction applies. Cash advances are also not eligible for interest-free days, so you'll be charged interest from the date of the cash advance.

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