Credit Union SA Credit Cards

If you're a member of Credit Union SA or want to become one, you have a choice of 3 credit cards: a Visa Credit Card anyone can apply for, and an Education Community Credit Card and Workplace Benefits Credit Card that are industry-specific.

Comparison of Credit Union SA Credit Cards

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Credit Union SA Visa Credit card	Purchase rate p.a. 11.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 6 months, then 11.99%	Annual fee $59	More Info Compare	Receive up to 55 days interest-free on purchases and $0 overseas ATM withdrawal fees, plus Verified by Visa for online purchases.
Credit Union SA Education Community Credit Card	Purchase rate p.a. 0% for 6 months, then 11.49%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 6 months, then 11.49%	Annual fee $0	More Info Compare	Save with an ongoing $0 annual fee and 0% p.a. interest on purchases, balance transfers and cash advances.
Credit Union SA Workplace Benefits Credit Card	Purchase rate p.a. 0% for 6 months, then 11.49%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 6 months, then 11.49%	Annual fee $0	More Info Compare	Get an introductory 0% p.a. interest rate for purchases, balance transfers and cash advances in the first 6 months. SA Power Networks employees only.

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Types of Credit Union SA credit cards

• Low rate cards

All 3 Credit Union SA credit cards come with low interest rates. The Credit Union SA Visa card has a 11.99% p.a. interest rate for purchases and cash advances.

The Workplace Benefits Credit Card and Education Community Card both offer a 0% p.a. rate which applies to purchases, balance transfers and cash advances for the first 6 months. This then reverts to a low 11.49% for the Workplace Benefits card and the Education Community Card.

• Balance transfer credit cards

The Credit Union SA Visa card has a 0% rate on balance transfers for 6 months that you can take up at any time.

Both the Workplace Benefits card and the Education Community Credit Card also have a 0% p.a. rate on balance transfers for 6 months. This then reverts to 11.49% p.a. on the Education Community Card and the Workplace Benefits Card.

• No annual fee cards

The Visa Credit Card comes with an annual fee of $59 but this is waived when you link your card to a Home Loan Package. Both the Workplace Benefits card and Education Community card come with no annual fee.

The benefits you can get with a Credit Union SA credit card

If you choose a credit card from Credit Union SA, some of the key features you can get include:

• Education community banking benefits

If you work in South Australia's education sector or are studying to work in education, you can access a range of specialised accounts and offers through Credit Union SA. This includes the Education Community credit card. Credit Union SA also puts profits towards education associations, awards and charitable organisations including SALA (South Australian Living Artists Festival) for Schools and the SA Public Education Awards.

• Workplace banking benefit

Credit Union SA also partners with local community associations to provide special product offers through its Workplace Banking programs. One of these is the Workplace Benefits Credit Card which has no annual fee and is available to SA Power Networks employees.

• Mobile payments

If you use Apple Pay, Google Pay, Samsung Pay, Fitbit Pay or Garmin Pay, you can add a Credit Union SA credit card and make payments straight from your mobile device.

• Visa benefits

Make payments online, in person or over the phone with businesses around the world, wherever you see the Visa logo. You'll also get an added layer of protection when you shop online with Visa Secure's authentication process, plus exclusive shopping, dining, entertainment and travel deals through Visa Offers + Perks.

• Security

This card comes with Visa's Zero Liability policy for fraudulent transactions, which means you won't have to cover the cost of unauthorised transactions. It also offers 24/7 card monitoring and the option to temporarily lock your card if you can't find it.

• Internet and mobile banking

You can check your balance and manage account details at any time through the Credit Union SA Internet banking service or mobile banking app.

How to apply for a Credit Union SA credit card

You can apply for a Credit Union SA credit card online by filling in a secure application form on the credit union's website. You can also apply by visiting the branch in Adelaide (400 King William St) or by calling Credit Union SA on (08) 8202 7777 (metro) or 1800 018 227 (country SA).

To get started, make sure you meet the eligibility criteria and have all the documents and details you'll need on hand.

Eligibility criteria

• Age. You must be at least 18 years old.
• Residency status. You must be an Australian permanent resident or citizen
• Income. You must have a regular source of income.
• Education Community Card. You must be a current or retired employee within the South Australian education community or a student in education, and their immediate family (parents, children, grandparents, grandchildren, siblings and partners only).

Documents and details

• Personal details. This includes your full name, date of birth, residential address, email address, phone number and marital status. You also need to provide a valid form of ID, such as your driver's licence, passport or Medicare details.
• Employment details. As well as your salary, you'll need to provide details of your current role, length of employment and your employer's contact details. You may also need to provide recent payslips, bank statements or other documents that help verify this information.
• Financial details. This covers any other forms of income, savings, investments or other assets, as well as existing debts, cards or loans. You also need to estimate your share of regular household expenses such as mortgage payments, rent, bills and groceries.

Credit card brands that are similar to Credit Union SA

If you're looking for credit cards from other credit unions and customer-owned banks available in South Australia, you can consider the following options:

• Great Southern Bank credit cards
• People's Choice Credit Union credit cards
• Beyond Bank credit cards

Contact details and related links

• Credit Union SA customer service:
  • (08) 8202 7777 (metro)
  • 1800 018 227 (country SA)
  • +61 88202 7777 (overseas)
• Member Experience Centre: 400 King William Street, Adelaide
• Credit Union SA bank accounts
• Credit Union SA home loans

Frequently asked questions

• Are there any restrictions in making balance transfers?

  Balance transfers cannot exceed your available credit limit, the minimum you can transfer is $500 and cannot be used to pay out one of your Credit Union SA accounts. You also cannot transfer balances from delinquent accounts.

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

  No, these cards are both low-cost, simple options without reward programs. If you're interested in earning rewards as you spend, you can compare a range of other cards here.

• What should I do if I lose my credit card?

  If you think you've misplaced your card, you can temporarily lock it through Internet banking or the Credit Union SA mobile app. This option is under the "Card management" section when you log in.

  If you want to cancel the card, you can report it as lost or stolen through Internet banking, the app or by calling Credit Union SA on (02) 8202 7777 during business hours. If it's after hours, call the Fraud Bureau Service on 1300 705 750. If you're overseas, call +612 8299 9101.

• How can I cancel my card?

  You can cancel your Credit Union SA credit card via Internet or mobile banking. Alternatively, call Credit Union SA on (02) 8202 7777. Keep in mind that you will need to make sure the entire account balance is paid off before it can be closed.