Australian Unity is a member-owned bank that's part of Australian Unity Limited, which has been operating for over 180 years. It offers one credit card, the Australian Unity Low Rate Visa, which offers a low interest rate for purchases, competitive annual fee and can be added to Apple Pay, Google Pay and Samsung Pay.
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The Australian Unity Low Rate Visa Credit Card has a 9.9% p.a. interest rate for purchases, which is around 10 percentage points lower than the average standard credit card interest rate in Australia according to Reserve Bank of Australia (RBA) data. Its $59 p.a. annual fee is also competitive with other low rate credit cards.
Benefits of getting an Australian Unity credit card
Contactless payments and digital wallets
You can tap to pay with an Australian Unity Low Rate Visa Credit Card and won't need to enter a PIN if your purchase is under $100. If you have Apple Pay, Google Pay or Samsung Pay, you can also add this card and shop straight from your mobile phone or device.
Card security
Australian Unity credit cards offer Vigil 24/7 security monitoring to help detect and prevent fraud. Visa's Zero Liability Policy also offers cover for unauthorised or fraudulent transactions. And when you're shopping online, you'll get an added level of security with Visa Secure.
Visa benefits
You can use an Australian Unity Bank credit card in over 200 countries and territories around the world, anywhere Visa is accepted. It also gives you access to deals on shopping, travel, dining and entertainment through Visa Offers + Perks.
Internet and mobile banking
Australian Unity offers internet banking and a mobile app, which gives you a way to check your balance, make payments and put a temporary lock on your card.
How to apply for an Australian Unity credit card
You can apply for an Australian Unity credit card online in around 5-10 minutes. Before you get started, make sure you meet the eligibility requirements and have all the relevant documents and details on hand.
Eligibility
Australian residency status. You can apply for an Australian Unity credit card if you're a citizen or permanent resident of Australia and currently live in Australia.
Age. To apply for a credit card in Australia, you must be at least 18 years of age.
Documents and details
Personal details. This includes your full name, date of birth, marital status, number of dependents, phone number, email address and residential status. You'll also need to provide a valid form of ID, such as your driver's license, passport or Medicare card number.
Employment details. You'll need to provide details of your current job and salary, as well as your employer's contact details. You may also need to provide recent payslips and information about your employment history.
Financial details. This covers any other income, such as government benefits, as well as savings and assets such as property. You'll also need to share information about any existing debts, as well as ongoing household expenses such as rent, mortgage payments, utility bills and groceries.
If you have any questions about the application, call Australian Unity on 1300 790 740. You can also check out Finder's credit card application tips to help improve your change of approval.
Credit card brands similar to Australian Unity
If you want a card from a member-owned bank, here are 3 other credit card providers you could compare with Australian Unity:
The minimum credit limit for the Australian Unity Low Rate Visa is $500.
The Australian Unity Low Rate Visa offers up to 4 additional cardholders at no extra cost. This gives you a way to share your credit card account with a partner or family members. Just keep in mind that you'll be the person responsible for managing the account and repayments.
Call Australian Unity on 1300 790 740 in Australia or +61 3 8682 7666 overseas. You can also call the 24-hour Visa Cardholder Support Hotline at any time on +1 303 967 1090.
Or, if you've lost your card and want to look for it, you can block it temporarily though internet banking or the Australian Unity app.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
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