Select Encompass Credit Union Credit Cards

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Do you want a low rate credit card that offers easy access to funds and allows balance transfers for free?

Important Information

Last 1 July 2016, Select Credit Union and Encompass Credit Union merged and became Select Encompass Credit Union Ltd.

Encompass the Transport Credit Union began operations in 1953, and now has members across Australia. Select Encompass services in excess of 18,000 members, and boasts of over $250 million in assets. This credit union offers its members a range of financial services and products, which include everyday accounts, savings accounts, investment accounts, home loans, personal loans, car loans, insurance solutions, and Visa debit and credit cards.

Comparison of Select Encompass Credit Union Credit Cards

Rates last updated October 1st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Select Encompass Credit Union Visa Credit Card
Low annual fee with a competitive interest rate on purchases and balance transfers.
10.99% p.a. $30 p.a. More info

Types of credit cards that Select Encompass offers

Select Encompass, through its association with Visa, offers a low rate credit card that gives you easy access to credit.

  • Low rate credit cards

Low rate credit cards are ideal for individuals who don’t want to pay extra for add-ons like complimentary insurance covers and rewards. The Select Encompass Visa credit card is a low rate credit card that you can use at EFTPOS terminals and ATMs, and you can also use this card to make purchases online and over the phone. If you use this card in the right manner, you can get up to 55 interest free days on purchases.

Rates last updated October 1st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Select Encompass Credit Union Visa Credit Card
Low annual fee with a competitive interest rate on purchases and balance transfers.
10.99% p.a. $30 p.a. Up to 55 days on purchases More info
Rates last updated October 1st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
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
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
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
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
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
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
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
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 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 18 months $99 p.a. 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
Westpac 55 Day Platinum Credit Card
Enjoy platinum benefits offering complimentary insurances, 24/7 concierge, balance transfer offer of 0% p.a. for 16 months, purchase rate offer of 1% p.a. for 12 months with $0 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 ($90 p.a. thereafter) Up to 55 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 up to 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
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 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 18 months on balance transfers and 1% for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info

Learn more about low rate credit cards

Benefits of getting a Select Encompass credit card

More than 2,500 Select Encompass members use the Select Encompass Visa credit card, and the fact that Select Encompass allows cardholders to access their credit and savings accounts through this single card certainly helps. Banking with Select Encompass comes with other benefits as well.

  • Going the Visa way

Visa cards make use of multiple technologies to offer cardholders peace of mind, and the Select Encompass credit card is no different. ‘Verified by Visa’ technology, for instance, offers protection when you use your card to make online purchases. You can use this Visa credit card for cash advances and withdraw up to $1,000 per day, depending on your available credit limit, from any ATM that displays the Visa logo. Using this credit card while travelling overseas is simple, given Visa’s widespread acceptance.

  • Access account information easily

If you want details about your credit card account you can visit a Select Encompass branch. Select Encompass also gives cardholders the ability to access account related information via online and phone banking.

  • Balance transfers

If you have outstanding balances on existing credit cards that attract high interest rates, you can think about transferring those balances to this card and save in the form of interest. Select Encompass does not charge any fee for balance transfers, and transferred balances attract the card’s low purchase rate.

How to apply for a Select Encompass credit card

You can visit a Select Encompass branch to apply for a credit card, or you can do so by calling their helpline on 13 13 61. You have the option to download, print, and complete an application, and you can also complete an online application. To apply online simply click on the ‘Go to Site’ button next to the credit card’s details. Before you go begin with the application establish if you meet the basic eligibility criteria, which are as follows.

Eligibility criteria

  • You should be over 18 years old
  • You should be a permanent resident of Australia
  • You should not have poor creditworthiness
  • You should meet minimum income requirements

Required information

Applying for the Select Encompass Visa credit card requires you to submit different types of information, which includes the following.

  • Applicant details. The first section requires your complete name, date of birth, email address, residential address, marital status, and number of dependents.
  • Income details. Provide details about your income from all sources, which can include shares and any income you earn from real estate.
  • Asset details. This section requires details about your equity in real estate, vehicles, savings, and investments.
  • Liability and expenditure details. Here, part with information surrounding existing loans and credit cards as well as expenses like child support, school bills, and utility bills.

What happens after I apply?

After you submit your credit card application a Select Encompass representative might contact you for additional information. As part of the verification process they might call your payroll department for income verification, so letting the concerned individual know of the call ahead of time can result in saving some time.

If you’re not a Select Encompass member you’ll have to complete an identity verification process, which is a legal requirement. You might have to visit a branch to complete the required formalities.

Frequently asked questions

Here, you’ll find answers to the most commonly asked questions about Select Encompass Visa credit cards.

How quickly can I complete the online application?

If you begin with all the required information close at hand, you should complete the application in around 10 minutes. You have the option to save your application in between, and you can retrieve the same later.

How do I check the status of my credit card application?

You can check your application’s status online or by calling the Select Encompass helpline on 13 13 61.

How can I make repayments?

Select Encompass allows repayments via payroll deduction, and you can make periodical payments via your Select Encompass transaction or savings account. You can visit an Select Encompass branch to make a payment; there are three in the Sydney metropolitan area, and there’s one in Hamilton, Newcastle. Other repayment options include internet and phone banking.

How can I access my savings account using my credit card?

To access a linked savings account you simply have to select ‘savings’ when you make transactions, either at EFTPOS terminals or at ATMs.

Is the Select Encompass credit card available only to members of this credit union?

While you can apply for the Select Encompass Visa credit card as a non-member, once approved you’ll have to become a member.

What is the card’s credit limit, and can I apply for an increase?

The minimum and maximum credit limits of the Select Encompass credit card stand at $1,000 and $30,000, respectively. You can apply for an increase in your initial credit limit after using your card for a stipulated time period, and you have to meet the credit union’s lending criteria to qualify.

What fees might I have to pay?

You have to pay a nominal annual fee for the life of the card. Other fees you might have to pay include late payment fees, cash advance fees, overseas ATM withdrawal fees, and Bank@Post withdrawal fees.

Is there a difference in the card’s purchase and cash advance rates?

Yes, the cash advance rate is slightly more than the purchase rate.

What should I do if I lose my card?

If you want to report a lost or stolen Select Encompass Visa credit card during business hours, call 13 13 61. Make after hour calls to 1800 224 004.

Can I close my credit card account?

Yes, you can submit a written application for account closure at any time. After the account’s closure you remain liable to repay any outstanding balance, which includes fees and charges added before the account closure date.

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Credit Cards Comparison

Rates last updated October 1st, 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

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