Unicom University Credit Union Credit Card

The benefits

In addition to interest free days, Unicom University Credit Union Credit Card offers two levels of cards, silver and gold. Unicom University Credit Union Credit Card also offers low annual rates, a different rate for each level, and a competitively low balance transfer rate for 24 months and up to 4 additional cards at no extra cost.

The Unicom University Credit Union Credit Card also offers exceptionally generous credit limits, and even higher credit limits on the gold card, enjoy the peace of mind that travel insurance will bring as well as reward points that never expire.

The rewards

The rewards offered by the Unicom University Credit Union Credit Card include cashback, which can be applied to your outstanding balance or annual fee. Shopping vouchers from Target, Kmart, Harvey Norman David Jones and Myer. Electronic merchandise such as camera's, iPods, mobile phones and printers. Gifts that include wine, books and subscriptions. Everyday purchases on your credit card will earn 1 reward point for every dollar spent.

By choosing the gold card option, the card user is eligible to earn Qantas frequent flyer miles. If the card holder decides to opt for the gold card after opening a silver account, all those silver points automatically become gold points. There is an annual fee for choosing this option.

Rates last updated September 21st, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
American Express Explorer Credit Card
75,000 bonus points
Membership Rewards Gateway
2
20.74% p.a.
$395 p.a.
Get 75,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the American Express Lounge. Ends 26 Sept 2018.
St.George Amplify Signature - Qantas - Online Offer
90,000 bonus points
Qantas Frequent Flyer
0.75
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Offers 90,000 bonus Qantas Points when you spend $4,000 within 90 days, two yearly Qantas Club lounge passes and a reduced first year annual fee.
Qantas Premier Everyday
40,000 bonus points
Qantas Frequent Flyer
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
American Express Velocity Platinum Card - Exclusive Offer
70,000 bonus points
Velocity Frequent Flyer
1.5
20.74% p.a.
$375 p.a.
finder Exclusive: Ends 26 September 2018 Receive 70,000 bonus Velocity Points when you spend $3,000 within the first 3 months. Plus, Status Credits & lounge passes.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus points in the first 3 months with a $64 first year annual fee. Plus, the chance to win 1 million Velocity Points.
Westpac Altitude Platinum Card - Qantas
60,000 bonus points
Qantas Frequent Flyer
0.5
20.24% p.a.
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
Suncorp Bank Rewards Program
1.25
20.74% p.a.
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Receive a long 18-month, 0% p.a., no fee balance transfer and earn Suncorp Rewards Points or Qantas Points per $1 spent.
Qantas Premier Platinum
60,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$299 p.a.
Get 60,000 bonus Qantas points and a $300 Qantas Flight Voucher when you spend $4,000 in 90 days. Plus, complimentary lounge passes.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with $64 first year annual fee and 0% p.a. balance transfer offer. Plus, the chance to earn 1 million Velocity Points. Ends 31 Oct 2018.
HSBC Platinum Credit Card
HSBC Rewards Plus
1
19.99% p.a.
$129 p.a.
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, 2 airport lounge passes every year.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Velocity Frequent Flyer
0.66
0% p.a. for 14 months (reverts to 20.74% p.a.)
$129 p.a.
Enjoy 0% p.a. interest on purchases for 14 months. Plus, the chance to earn 1 million Velocity Points. Ends 31 Oct 2018.
Westpac Altitude Platinum Card
60,000 bonus points
Westpac Altitude Rewards
1
20.24% p.a.
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
Earn 60,000 bonus Altitude Points when you spend $3,000 within 90 days of card approval. Plus, a $0 first year annual fee.
HSBC Platinum Qantas Credit Card
60,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$199 p.a.
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
Bendigo Bank Platinum Rewards Mastercard
Bendigo Rewards
1.5
19.99% p.a.
$89 p.a.
Earn 1.5 Bendigo Rewards points per $1 spent. Receive complimentary insurance covers, plus, access to Mastercard Priceless Cities.
American Express Westpac Altitude Platinum Bundle - Qantas
75,000 bonus points
Qantas Frequent Flyer
1
0.5
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
NAB Qantas Rewards Signature Card
90,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
Citi Platinum Credit Card
200,000 bonus points
Citi Rewards Program
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 10,000 monthly bonus reward Points for 20 months (200,000 total), enjoy a 0% p.a. balance transfer offer, plus, a $49 first year annual fee.
American Express Westpac Altitude Black Bundle
120,000 bonus points
Westpac Altitude Rewards
3
1.25
20.24% p.a.
$250 p.a. annual fee for the first year ($449 p.a. thereafter)
Earn up to 120,000 bonus Altitude Points when you meet the T&C with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex).
Qantas American Express Ultimate Card
55,000 bonus points
Qantas Frequent Flyer
1.5
20.74% p.a.
$450 p.a.
Receive 55,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
American Express Westpac Altitude Black Bundle - Qantas
120,000 bonus points
Qantas Frequent Flyer
1.25
0.75
20.24% p.a.
$300 p.a. annual fee for the first year ($499 p.a. thereafter)
Score up to 120,000 bonus Qantas Points when you meet the T&C with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex).

Compare up to 4 providers

Learn more about rewards credit cards

Balance transfer rate

The Unicom University Credit Union Credit Card offers new customers the ability to transfer their non-Citi credit card debt to their new The Unicom University Credit Union Credit Card, up to the allowable credit limit for the specified promotional period. Also, exempt from the transfer balance option are foreign currency and off shore accounts. Only balance transfers in the name of the primary account holder are allowed and one balance transfer request is allowed. The balance transfer option allows the card holder to pay off the debt with lower interest than before, saving the card holder interest charges.

After the promotional period is over the interest rate on the balance transfer reverts to the normal day interest rate.

Cash advances and credit card transfer balance are not subject to interest free days. They are subject to the current day interest rate on a day to day basis. A word of caution, when two separate interest charges exist on a single credit card, payments made are automatically applied to the balance with the lower interest rate until that balance is paid in full.

Rates last updated September 21st, 2018
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
St.George Vertigo Platinum - Online Offer
0% p.a. for 25 months
12.74% p.a.
$99 p.a.
Save with 0% p.a. interest for up to 25 months on balance transfers with no BT fee. Plus, platinum perks, including overseas travel insurance.
Westpac Low Rate Card
0% p.a. for 24 months with 1% balance transfer fee
13.49% p.a.
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
0% p.a. for 18 months
20.74% p.a.
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Receive a long 18-month, 0% p.a., no fee balance transfer and earn Suncorp Rewards Points or Qantas Points per $1 spent.
Citi Clear Platinum - Exclusive Offer
0% p.a. for 24 months with 1.5% balance transfer fee
14.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
ANZ Low Rate
0% p.a. for 15 months
12.49% p.a.
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
St.George Vertigo Visa
0% p.a. for 16 months
13.74% p.a.
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitively low annual fee and purchase rate.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus points in the first 3 months with a $64 first year annual fee. Plus, the chance to win 1 million Velocity Points.
NAB Low Fee Platinum Card
0% p.a. for 24 months with 2% balance transfer fee
19.74% p.a.
$90 p.a.
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.
Citi Clear Platinum Credit Card
0% p.a. for 14 months
12.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
Citi Simplicity Card
0% p.a. for 15 months with 1.5% balance transfer fee
19.99% p.a.
$0 p.a.
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
ANZ First Visa Credit Card
0% p.a. for 18 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, 2 airport lounge passes every year.
Citi Platinum Credit Card
0% p.a. for 12 months
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 10,000 monthly bonus reward Points for 20 months (200,000 total), enjoy a 0% p.a. balance transfer offer, plus, a $49 first year annual fee.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with $64 first year annual fee and 0% p.a. balance transfer offer. Plus, the chance to earn 1 million Velocity Points. Ends 31 Oct 2018.
NAB Low Fee Card
0% p.a. for 18 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
Bankwest Breeze Classic Mastercard
0% p.a. for 13 months with 2% balance transfer fee
0% p.a. for 13 months (reverts to 12.99% p.a.)
$79 p.a.
Receive purchase and balance transfer offers of 0% p.a. for 13 months, a low ongoing rate and up to 55 interest-free days on purchases.
BankSA Amplify Card
3% p.a. for 36 months
19.49% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Receive a 3% p.a. for 36 months balance transfer and earn Qantas or Amplify Points per $1 spent. Plus, enjoy a $0 annual fee for the first year.

Compare up to 4 providers

The application

The Unicom University Credit Union Credit Card application can be found on line or a copy can be requested at the credit union office. The information can be input electronically but the application must be printed out and taken or mailed to the credit union. All information must be filled in for the application to be considered complete. Applicants must be at least 18 years of age and be a permanent resident of any state of Australia. The applicant must also be permanently employed with documented evidence of proof.

An application is reviewed for completeness and credit worthiness and approved or not approved within 48 hours. Applications considered incomplete will be returned to the applicant with a more information request. This will delay the approval process.

Once approved, the new credit card holder must agree to the Terms and Conditions to officially establish the account. The applicant will be bound by the Terms and Conditions.

Apply Today for a Unicom University Credit Union Credit Card and Take Advantage of Interest Free Days!

There is no penalty for paying the balance in its entirety at any time during the billing cycle. Any time a balance is paid in the full before the end of the billing cycle is not charged any interest.

Back to top
Was this content helpful to you? No  Yes

Related Posts

Credit Card Offers

Important Information*
Citi Clear Platinum Credit Card

Interest rate

12.99

Annual fee

0*

*$99 p.a. after first year

Westpac Altitude Platinum Card - Qantas

Interest rate

20.24

Annual fee

50*

*$200 p.a. after first year

ANZ Low Rate

Interest rate

12.49

Annual fee

58

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

2 Responses

  1. Default Gravatar
    MarinaOctober 18, 2011

    Dear Sir/Madam, I have an account with UnicomCreditUnion. I am interested to open Gold master or visa Credit Union card in conditions are suitable for me. Could you please answer my questions:
    I am a Commonwealth master card holder. The rate of accumulation Frequent Flight points is 1 to 0.5 (it means that for every dollar spent I am receiving 0.5 points). 1. What is the rate of accumulation of FF points in, say, Gold Credit Union master or visa card (1 to 1 or the same as in Commonwealth)?
    2. Can I transfer my FF points from Commonwealth card or I am loosing them upon transfer? Or some of them?
    3. What is the annual rate of credit cards you are kindly offering: silver and gold? Thanks in advance, Marina

    • finder Customer Care
      JacobApril 10, 2013Staff

      Hi Marina. Thanks for your question. To begin – the cards listed on this site are available for permanent Australian residents only. If you are eligible for a Commonwealth Bank credit card, you will loose your points with you old card if you close the account, they can not be transferred across. Please compare Commonwealth Bank credit cards and check the product review and application pages for applicable fees and charges. Jacob.

Ask a question
Go to site