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 December 14th, 2017
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
NAB Qantas Rewards Signature Card
100,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$395 p.a.
Collect 100,000 bonus Qantas Points when you spend $3,000 within 60 days of account opening. Plus, earn up to 20,000 points per statement period.
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 Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Citi Platinum Credit Card - 100k Bonus Points
100,000 bonus points
Citi Rewards Program
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
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.
Save with 0% p.a. on purchases for 14 months. Plus, a $129 Virgin Australia Gift Voucher every year you hold the card.
Woolworths Everyday Platinum Credit Card
Woolworths Rewards
1
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
ANZ Frequent Flyer Black
75,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Take advantage of 75 Bonus Status Credits when you apply by 24 January 2018, and buy and fly return with Qantas by 31 May 2018.
HSBC Platinum Qantas Credit Card
60,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$199 p.a.
Offers complimentary membership to the Qantas Frequent Flyer Program and international travel insurance included.
Qantas American Express Discovery Card
Qantas Frequent Flyer
1
20.74% p.a.
$0 p.a.
Earn uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
NAB Rewards Signature Card
100,000 bonus points
NAB Rewards
1.25
19.99% p.a.
$295 p.a.
Receive 100,000 bonus NAB Rewards points when you spend $3,000 on everyday purchases in the first 60 days of account opening.
Citi Rewards Platinum Credit Card
Citi Rewards Program
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and get a host of platinum privileges.
ANZ Rewards Black Credit Card
75,000 bonus points
ANZ Rewards Program
2
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
Offers unlimited access to participating Véloce airport lounges outside of Australia and a personal 24/7 concierge service.
Qantas American Express Premium Card
30,000 bonus points
Qantas Frequent Flyer
1.25
20.74% p.a.
$249 p.a.
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
St.George Amplify Platinum - Amplify Qantas
60,000 bonus points
Qantas Frequent Flyer
0.5
19.49% p.a.
$99 p.a.
Earn uncapped Qantas points on your eligible spending and receive complimentary travel and purchase protection insurance.
CUA Platinum Credit Card
CUA Life Rich Rewards Program
1
19.99% p.a.
$0 p.a. annual fee for the first year ($149 p.a. thereafter)
Collect 1 CUA Rich Life Rewards point per $1 spent, receive complimentary travel insurance, a $0 first year annual fee and a balance transfer offer.
American Express Explorer Credit Card
50,000 bonus points
Membership Rewards Gateway
2
20.74% p.a.
$395 p.a.
Receive a yearly $400 Travel Credit, 50,000 bonus points and up to 2 entries per year to the American Express Lounge at Sydney International Airport.
Bank of Melbourne Amplify Platinum
60,000 bonus points
Amplify Rewards
1
19.49% p.a.
$99 p.a.
Receive 60,000 bonus Amplify or Qantas Points when you spend $3,000 within 90 days and earn up to 1.00 Amplify point per $1 spent.
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 0% p.a. for 18 months on balance transfers, earn 3 bonus Velocity Points per $1 for the first 3 months and get a yearly $129 Gift Voucher.
American Express Essential Credit Card
Membership Rewards Gateway
1
14.99% p.a.
$0 p.a.
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with this card. Plus, a $0 annual fee for life.
NAB Rewards Platinum Card
60,000 bonus points
NAB Rewards
1
19.99% p.a.
$195 p.a.
Take advantage of 60,000 bonus points when you meet the spend requirements. Plus, seven complimentary insurances.
Bank of Melbourne Amplify Platinum - Qantas Rewards
60,000 bonus points
Qantas Frequent Flyer
0.5
19.49% p.a.
$99 p.a.
Take advantage of a 24/7 concierge service and complimentary travel, purchase protection and extended warranty insurance.

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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 December 14th, 2017
$
% p.a.

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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 24 months
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 14 January 2018.
NAB Premium Card - Exclusive Offer
0% p.a. for 25 months
19.74% p.a.
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
Citi Platinum Credit Card - 100k Bonus Points
0% p.a. for 15 months with 1% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
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)
Exclusive to finder, get 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Ends 17 December 2017.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Receive a 0% p.a. for 22 months balance transfer offer and earn 1 Reward Point per $1 of eligible spend. Plus, complimentary travel insurance.
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 0% p.a. for 18 months on balance transfers, earn 3 bonus Velocity Points per $1 for the first 3 months and get a yearly $129 Gift Voucher.
Westpac Low Rate Card - Online Only Balance Transfer Offer
0% p.a. for 24 months with 2% balance transfer fee
13.49% p.a.
$59 p.a.
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% balance transfer fee when you apply online by 31 January 2018.
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months interest-free on balance transfers.
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, a 16 month balance transfer offer and special offers from Visa Entertainment.
Bankwest Breeze Classic Mastercard
0% p.a. for 24 months with 2% balance transfer fee
12.99% p.a.
$79 p.a.
Receive a long-term balance transfer offer of 0% p.a. for 24 months, a low ongoing purchase rate and up to 55 interest-free days on purchases.
Bank of Melbourne Vertigo Platinum
0% p.a. for 24 months with 1% balance transfer fee
12.74% p.a.
$99 p.a.
Offers a long-term balance transfer, low ongoing purchase rate, complimentary travel insurance and access to a 24/7 personal concierge service.
NAB Low Rate Platinum Card
4.99% p.a. for 6 months
0% p.a. for 9 months (reverts to 13.99% p.a.)
$100 p.a.
A platinum card that offers 0% p.a. for 9 months on purchases. Plus 4.99% p.a. on balance transfers for 6 months.
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)
Offers a long-term balance transfer. Earn extra points on eligible international spend, plus complimentary travel insurance.
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 $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
Bankwest Breeze Platinum Mastercard
0% p.a. for 24 months with 2% balance transfer fee
12.99% p.a.
$99 p.a.
Receive a 0% p.a. interest rate on balance transfers for 24 months, complimentary travel insurance and 0% foreign transaction fees.
BankSA Vertigo Visa
0% p.a. for 18 months with 1% balance transfer fee
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
American Express Essential Credit Card
0% p.a. for 12 months with 3% 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 this card. Plus, a $0 annual fee for life.
American Express Explorer Credit Card
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$395 p.a.
Receive a yearly $400 Travel Credit, 50,000 bonus points and up to 2 entries per year to the American Express Lounge at Sydney International Airport.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 6 months
0% p.a. for 14 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0% p.a. on purchases for 14 months and 0% p.a. on balance transfers for 6 months. Plus, earn up to 0.66 Velocity Points per $1 spent.
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 Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.

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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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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

    • Staff
      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.

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