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 May 28th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
NAB Rewards Platinum Card
Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
1 80,000 bonus points $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
1 75,000 bonus points $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
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. Earn 1 Citi Reward Points for every $1 spent on eligible domestic and international spend.
1 0 $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
1 0 60,000 bonus points $199 p.a. Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every year.
2 50,000 bonus points $395 p.a. Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
1 0 $99 p.a. Go to site More info
St.George Amplify Signature
Receive up to 90,000 bonus Amplify points on eligible spend and earn up to 3 reward points per $1 spent on eligible purchases.
1.5 0 90,000 bonus points $279 p.a. Go to site More info
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.
1.5 50,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
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.
0.5 0 60,000 bonus points $99 p.a. Go to site More info
St.George Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 60,000 bonus points $99 p.a. Go to site More info
American Express Velocity Platinum Card
Take off sooner with up to 2.5 Velocity Points per $1 spent and receive a complimentary Virgin Australia return domestic flight every year.
0 1.5 100,000 bonus points $375 p.a. Go to site More info
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.
0.75 0 90,000 bonus points $279 p.a. Go to site More info
ANZ Rewards Black Credit Card
This card offers 75,000 bonus points when you spend $2,500 on eligible purchases in the first 3 months from approval and $0 annual fee for the first year. Earn up to 2 reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
2 75,000 bonus points $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
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.
0.75 0 90,000 bonus points $279 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
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 $279 p.a. Go to site More info
NAB Rewards Classic Card
Earn 0.75 NAB Rewards Point per $1 spent and receive complimentary purchase protection insurance.
0.75 40,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
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 $99 p.a. Go to site More info
Westpac Altitude Black
Earn up to 3 Altitude Points per $1 spent and enjoy up to four complimentary airport lounge visits each year.
1.25 3 80,000 bonus points $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
BankSA Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary travel insurance.
1 $99 p.a. Go to site More info
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 May 28th, 2017
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
0% p.a. for 18 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
0% p.a. for 22 months with 2% balance transfer fee 19.99% p.a. $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
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) Go to site More info
St.George Vertigo Visa
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
0% p.a. for 14 months 13.24% p.a. $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
HSBC Low Rate Credit Card
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
0% p.a. for 15 months with 2% balance transfer fee 13.25% p.a. $55 p.a. Go to site More info
NAB Low Rate Credit Card
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
0% p.a. for 18 months with 3% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info
Citi Rewards Platinum Credit Card
A long-term balance transfer offer with the Citi Rewards Platinum Card. Earn extra points on eligible international spend, plus complimentary travel insurance.
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) Go to site More info
NAB Premium Card
Benefit from premium credit card advantages including travel insurance, Platinum Concierge Service plus 0% p.a. for 24 months on balance transfers.
0% p.a. for 24 months with 3% balance transfer fee 19.74% p.a. $90 p.a. Go to site More info
American Express Essential®  Credit Card
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
NAB Low Fee Card
A low annual fee card with 0% p.a. on balance transfers for 18 months.
0% p.a. for 18 months with 3% balance transfer fee 19.74% p.a. $30 p.a. Go to site More info
St.George Vertigo Platinum
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
0% p.a. for 20 months 12.74% p.a. $99 p.a. Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
0% p.a. for 16 months with 2% balance transfer fee 11.49% p.a. $99 p.a. Go to site More info

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

American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

Ask a Question

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

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

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.

Ask a question
feedback