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 cash back, 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 June 26th, 2017
Name Product Product Description Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee
ANZ Rewards Black Credit Card
Receive complimentary overseas travel and medical insurance, unlimited airport lounge access and a 24/7 personal concierge.
75,000 bonus points
2
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Citi Rewards Platinum Credit Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and a host of platinum privileges.
1
0
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
60,000 bonus points
1
0
19.99% p.a.
$199 p.a.
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
100,000 bonus points
0
1.5
20.74% p.a.
$375 p.a.
American Express Explorer® Credit Card
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
50,000 bonus points
2
20.74% p.a.
$395 p.a.
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement, plus prestige services including a personal concierge service.
1
0
19.99% p.a.
$99 p.a.
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
St.George Amplify Signature
Receive up to 60,000 bonus Amplify points on eligible spend and earn up to 3 reward points per $1 spent on eligible purchases.
60,000 bonus points
1.5
0
19.49% p.a.
$279 p.a.
ANZ Rewards Platinum
Earn up to 50,000 bonus Reward Points when you spend $2,500 in the first 3 months plus $0 in the first year.
50,000 bonus points
1.5
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Bank of Melbourne Amplify Platinum - Qantas Rewards
Fly faster with up to 1.000 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
40,000 bonus points
0.5
0
19.49% p.a.
$99 p.a.
St.George Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
40,000 bonus points
0.5
0
19.49% p.a.
$99 p.a.
St.George Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and receive 2 complimentary Qantas Lounge Passes.
60,000 bonus points
0.75
0
19.49% p.a.
$279 p.a.
Qantas American Express Premium Card - Exclusive Offer
Enjoy two complimentary Qantas Club lounge invitations per year, plus the protection of complimentary travel and purchase insurance.
50,000 bonus points
1.25
20.74% p.a.
$249 p.a.
Bank of Melbourne Amplify Signature - Amplify Qantas
Fly faster with up to 1.500 Qantas Point per $1 spent and receive 2 complimentary Qantas Lounge Passes.
60,000 bonus points
0.75
0
19.49% p.a.
$279 p.a.
BankSA Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and instantly become a Visa Luxury Hotel Collection member.
0.75
0
19.49% p.a.
$279 p.a.
NAB Rewards Classic Card
Earn 0.75 NAB Rewards Points per $1 spent and receive complimentary purchase protection insurance.
25,000 bonus points
0.75
19.99% p.a.
$95 p.a.
BankSA Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5
0
19.49% p.a.
$99 p.a.
Westpac Altitude Black
Earn 80,000 bonus Altitude points when you reach a minimum spend of $5,000 on eligible purchases. Offer ends 28 June 2017.
80,000 bonus points
1.25
3
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
BankSA Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and redeem for a wide range of products including flights.
1
19.49% p.a.
$99 p.a.

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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 June 26th, 2017
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved Product Description
Virgin Australia Velocity Flyer Card - Exclusive 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 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$99 p.a.
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 12 months
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
St.George Vertigo Visa
0% p.a. for 14 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
HSBC Low Rate Credit Card
0% p.a. for 15 months with 2% balance transfer fee
13.25% p.a.
$55 p.a.
Receive up to 55 days interest-free on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
NAB Low Rate Credit Card
0% p.a. for 16 months with 2% balance transfer fee
13.99% p.a.
$59 p.a.
Receive up to 55 days interest-free on purchases, special offers from Visa Entertainment and Tap and Pay capabilities.
Citi Rewards Platinum Credit Card
0% p.a. for 24 months with 1.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
A long-term balance transfer offer with the Citi Rewards Platinum Card. Earn extra points on eligible international spend, plus complimentary travel insurance.
NAB Premium Card
0% p.a. for 20 months with 2% balance transfer fee
19.74% p.a.
$90 p.a.
Benefit from premium credit card advantages including travel insurance, Platinum Concierge Service plus 0% p.a. for 20 months on balance transfers.
American Express Essential®  Credit Card
0% p.a. for 12 months with 1% balance transfer fee
14.99% p.a.
$0 p.a.
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with your Essential Credit Card.
St.George Vertigo Platinum
0% p.a. for 20 months
12.74% p.a.
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
ANZ Low Rate Platinum
0% p.a. for 16 months with 2% balance transfer fee
11.49% p.a.
$99 p.a.
Enjoy platinum benefits with exclusive discounts, complimentary travel and purchase insurances and a 24/7 personal concierge.
NAB Low Fee Card
0% p.a. for 16 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance, special offers from Visa Entertainment and up to 44 days interest-free on purchases.
NAB Velocity Rewards Premium Card
0% p.a. for 6 months
19.99% p.a.
$150 p.a.
Offers up to 1 Velocity point per $1 on purchases, combined with complimentary insurance covers and a concierge service.
NAB Velocity Rewards Card
0% p.a. for 6 months
19.99% p.a.
$95 p.a.
This dual Amex and Visa card offers up to 0.75 Velocity Points per $1 spent on eligible purchases and special Visa Entertainment offers.
NAB Qantas Rewards Card
0% p.a. for 6 months
19.99% p.a.
$95 p.a.
A dual Amex and Visa card that allows you to earn up to 0.75 Qantas Points per $1 spent, plus complimentary purchase protection insurance.
NAB Rewards Classic Card
0% p.a. for 6 months
19.99% p.a.
$95 p.a.
Earn 0.75 NAB Rewards Points per $1 spent and receive complimentary purchase protection insurance.
NAB Rewards Platinum Card
0% p.a. for 6 months
19.99% p.a.
$195 p.a.
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
Woolworths Everyday Platinum Credit Card
0% p.a. for 14 months
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017.

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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.

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Interest rate

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ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

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St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

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2 Responses to Unicom University Credit Union Credit Card

  1. Default Gravatar
    Marina | October 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

    • Staff
      Jacob | April 10, 2013

      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.

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