Credit Union SA Credit Cards

Who else wants Credit Union SA’s low rate Visa credit card that comes with a range of benefits?

CreditUnionSA-Logo

Credit Union SA has served the South Australian community for over five decades, and like other credit unions, it uses its profits to offers members competitive interest rates, low fees, and personalised service. It serves it members through various branches around Adelaide, a team of mobile managers, internet banking, and phone banking.

Financial services and products that Credit Union SA offers include transaction accounts, savings accounts, home loans, car loans, personal loans, insurance solutions, and credit cards.

Comparison of Credit Union SA Credit Cards

Rates last updated September 28th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Credit Union SA Visa Credit card
Receive a low interest rate offer on purchases and a balance transfer offer.
10.49% p.a. 0% p.a. for 6 months $39 p.a. More info

Types of credit cards that Credit Union SA offers

Credit Union SA offers a basic no-frills credit card with a Visa connection, owing to which you can use it the world over. This is the only type of credit card that this credit union offers as of now.

  • Low rate cards

    With this card you can get up to 55 interest free days, but these apply only to purchases.
Rates last updated September 28th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Credit Union SA Visa Credit card
Receive a low interest rate offer on purchases and a balance transfer offer.
10.49% p.a. 0% p.a. for 6 months $39 p.a. Up to 55 days on purchases More info
Rates last updated September 28th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Up to 55 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
Newcastle Permanent Value+ Credit Card
Enjoy a competitive annual fee and interest rates on purchases, cash advances, and balance transfers.
11.49% p.a. $49 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Up to 44 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Save on your existing credit card interest with 0% for 18 months on balance transfers with a low annual fee and low ongoing purchase rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
A low rate credit card with 0% for 18 months on balance transfers and low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% for 20 months on balance transfers and 1% for 12 months if you apply by 29 September 2016.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about Low Rate Credit Cards

The benefits of banking with Credit Union SA

Getting a Credit Union SA credit card gives you more than just a competitive interest rate to look forward to, and here are details of what more you can expect.

  • Low fee structure

If you have the home loan package with Credit Union SA, you don’t have to pay the annual fee. In addition, Credit Union SA doesn’t charge any cash advance fees, direct debit fees, and domestic or overseas ATM withdrawal fees.

  • Visa benefits

Millions of merchants all over the world accept Visa payments, and you can also use ATMs globally. Different safety features are in place for account security, which include 24/7 fraud monitoring, microchip technology, and Visa’s Zero Liability policy. Verified by Visa is in place to make online shopping more secure. You can access Visa Entertainment, which brings to the fore the latest in entertainment offers, like pre-sale concert tickets. Your Credit Union SA credit card also comes with Visa payWave technology, allowing you to make contactless purchases of less than $100 at merchants who have payWave terminals.

  • Easy access to information

Irrespective of the kind of information you need about your Credit Union SA credit card, you can get it using different means. You can use the phone banking service to speak to a Credit Union SA representative, you can turn to the internet banking service from any internet enabled computer, or you can download the Credit Union SA smartphone app for Android or iOS.

  • Pay bills via BPAY

If you wish to use your Credit Union SA credit card to make bill payments through BPAY you can do so via phone, online, or mobile banking. This service allows you to make one-off payments, and you can also use it to make recurring payments scheduled in accordance to your liking.

How to apply for a Credit Union SA credit card?

You can apply for a Credit Union SA credit card by visiting any of their branches, you can call their member contact centre, you can download and complete the application, and existing members can access the application via its internet banking platform. To complete their online contact form simply click on the ‘Go to Site’ button located next to the credit card’s description.

Eligibility Criteria

  • You are at least 18 years old
  • You are a permanent resident of Australia
  • You have good creditworthiness
  • You have a regular source of income

As part of the application process you’ll have to furnish certain personal, employment related, and financial information, so keep the flowing handy.

Required Documents

  • Personal. You’ll have to provide your complete name, driver’s license number, date of birth, marital status, residential address, email address, and phone number.
  • Employment. This section requires your employer’s name and address along with employment terms and income details.
  • Financial. Here, you have to provide details about assets like real estate, motor vehicles, savings, investments, and shares, as well as details about liabilities like rent, mortgage, personal loans, overdrafts, and credit cards.

What happens after submitting the application?

In certain instances Credit Union SA requires additional information, and in such a scenario you can expect a Credit Union SA rep to contact you. If you’re employed you can let your payroll department know of the imminent income verification phone call, as this can help quicken the process. New Credit Union SA members have to go through a legally required identity verification process, and this might involve visiting a branch.

Back to top

Frequently asked questions

People who wish to apply for Credit Union SA credit cards tend to have some questions in common, and here are answers to the ones asked frequently.

How long does the online application take to complete?

If you begin with all the required information close at hand, the process should not take more than 10 to 15 minutes.

Can I find out about the status of my application?

Yes, you can call the Member Contact Centre on 8202 7777 to find out your application’s status.

What repayment options do I have?

You can make repayments via electronic funds transfer using a regular Australian bank account. You can make a payment by dropping a cheque at any Credit Union SA branch, or you can mail the cheque. You can also make payments via BPAY.

What is the minimum credit limit and can I request for an increase?

The minimum credit limit of the Credit Union SA credit card is $1,000. You can request for an increase in your card’s credit limit after six months of account activation, and Credit Union SA does not have to honour your request.

Are the card’s purchase and cash advance rates the same?

Yes, cash advances attract the same low interest rate as purchases.

Can I get a card for an additional cardholder?

Yes, you can, but the additional cardholder should be at least 18 years old and must complete the required identity verification process.

Are there any restrictions in making balance transfers?

Balance transfer amounts cannot exceed your available credit limit, the minimum you can transfer is $500, and you cannot transfer balances from delinquent accounts.

Do Credit Union SA credit cards offer rewards or reward points?

No.

Can you pay your credit contract early?

Yes, you can, and you can find out the payout figure for a given date by contacting the Member Contact Centre or by submitting a written request. This amount can increase if you don’t make the payment by the specified date.

What should I do upon losing my credit card?

If you wish to report a lost or stolen Credit Union SA credit card during business hours you should call the Credit Union SA head office at 8202 7777. If calling after hours, call 1800 648 027, and in this case you still have to call the head office later to order a replacement.

How can I cancel my card?

To cancel your Credit Union SA credit card you have to mail a written request to the postal address mentioned in your credit card statement.
Back to top
Was this content helpful to you? No  Yes

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 Credit Union SA Credit Cards

  1. Default Gravatar
    Victoria | February 22, 2016

    How many days interest free does this card offer?

    • Staff
      Sharon | February 22, 2016

      Hi Victoria, thanks for your question.

      You can get up to 55 interest free days with this card.

      Cheers,

      Sharon

Credit Cards Comparison

Rates last updated September 28th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
feedback