Unity Bank Visa Credit Card

Pay a low introductory rate for the first 6 months, followed by a low ongoing rate.

The Unity Bank Visa Credit Card charges a low introductory rate that stays in place for the first 6 months, and it then starts charging a low ongoing rate. If you use this card suitably, you can get up to 55 interest-free days on all purchases. You don’t have to pay any annual fee for the first year, and subsequent years attract a nominal annual fee.

7.99% p.a.

Balance transfer rate

for 6 months

7.99% p.a.

Purchase rate

for the first 6 months (reverts to 9.99% p.a.)

$0 p.a.

Annual fee

for the first year ($60 p.a. thereafter)

55 days

Interest free period

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Product NameUnity Bank Visa Card
Balance transfer rate7.99% p.a. for 6 months
Balance transfer revert rateCash Advance Rate (9.99% p.a.)
Purchase rate7.99% p.a. for 6 months, reverts to 9.99% p.a.
Annual fee$0 annual fee for the first year ($60 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate9.99% p.a.
Min credit limit$1,000
Max credit limit$30,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • 7.99% p.a. for 6 months on purchases and balance transfers
  • $0 first year annual fee
  • Compatible with Apple Pay, Google Pay and Samsung Pay


  • Does not include rewards program or complimentary insurance covers
Bonus pointsN/A
Annual fee$0 annual fee for the first year ($60 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $20, whichever is greater
Foreign currency conversion fee3%
Additional cardholder fee$0

How to apply

Visit any Unity Bank branch to apply or you can also submit an online enquiry. To start the application process, simply complete an online application form. Applying for this Visa Credit Card requires that you meet certain eligibility criteria, which are as follows:

Eligibility criteria

  • Age. You must be at least 18 years of age.
  • Residency. You must be a permanent resident of Australia.

Card benefits

  • Low introductory rate. All transactions you make using this Visa Credit Card attract a low introductory rate of 7.99% for the first 6 months. By using this card to transfer balances from other cards that charge higher interest, you can save considerably in the form of interest. The low interest you pay on purchases and cash advances in this period would also lead to savings.
  • Low ongoing rate. At the end of the introductory 6-month period, a low ongoing rate of 9.99% will apply on the card. This rate, again, applies on all transactions, which could leading to further savings in the long run depending on how you use the card.

Rates & fees

  • Annual fee. This card attracts a nominal annual fee of $60, which you don't have to pay for the first 12 months. If you have an All in One Home Loan with this bank, you don't have to pay the ongoing annual fee.
  • Introductory interest rate. The low introductory interest rate of 7.99% stays in place for the first 6 months, and applies on purchases and balance transfers.

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