Horizon Credit Union Credit Cards

horizon_logo

Horizon Credit Union offers a Visa credit card that allows you to save through its low interest rate and no ongoing fees.

Horizon Credit Union began operations in 1964, in the form of Illawarra County Council Staff Credit Union, providing services only to employees of the Council. A rule change in 1971 allowed family members to join as well. Bega Valley Credit Union merged with this credit union in 1980, leading to a new name, ICC Mutual Credit Union. Further mergers took place down the line and the name, Horizon Credit Union, came into effect in 1995. Horizon Credit Union has branches spread across New South Wales, in Albion Park, Bega, Bermagui, Merimbula, Moruya, Nowra, Thirroul, Ulladulla, and Wollongong. It offers its members an array of financial services and products, which include a Visa credit card.

Comparing the Horizon Credit Union Credit Card

Rates last updated September 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Horizon Credit Union Visa Credit Card
Receive up to 45 days interest free on purchases, a low interest rate and no annual fee.
4.99% p.a. for 5 months (reverts to 12.95% p.a.) 4.99% p.a. for 5 months $0 p.a. More info

Types of credit cards that Horizon Credit Union offers

Horizon Credit Union, in conjunction with Visa, offers a credit card that gives cardholders easy access to funds.

  • Low rate credit cards

If you want to benefit through a low interest rate and don’t require extras like complimentary insurance covers and reward points, a low rate card should suit you well. The Visa credit card that Horizon offers comes with a low interest rate and you don’t have to pay any ongoing monthly or annual account keeping fees. It also comes with a promotional interest rate for balance transfers and purchases. If you use this card in the right manner, you can even get up to 45 interest-free days on purchases.

Rates last updated September 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Horizon Credit Union Visa Credit Card
Receive up to 45 days interest free on purchases, a low interest rate and no annual fee.
4.99% p.a. for 5 months (reverts to 12.95% p.a.) 4.99% p.a. for 5 months $0 p.a. Up to 45 days on purchases More info
Rates last updated September 27th, 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

Benefits of banking with Horizon Credit Union credit cards

While the Visa credit card that you get through Horizon Credit Union does not offer too much in the form of features, it does offer some notable benefits.

  • Promotional rate

This Visa credit card comes with a discounted interest rate that applies on balance transfers and purchases, and this rate stays in place for five months from the date of your application’s approval. Any outstanding balance at the end of this five months period starts attracting the card’s standard interest rate.

  • Easy access to funds

Millions of merchants the world over accept Visa payments, so you can use this credit card just about anywhere. You can use this card to make purchases in brick-and-mortar stores and to make online and over the phone purchases. You can withdraw up to $1,000 per day from any ATM that displays the Visa logo. If you prefer shopping online you can register with Visa Checkout, and once you do this you can shop much faster using the Visa Checkout option. You can access Visa Checkout using a computer, a tablet, or a smartphone.

  • Security

Visa fraud protection provides peace of mind when you use your card in-store, online, or over the phone. The chip technology these cards use works as a safety barrier when you make in-store purchases. When you use this card to make online purchases ‘Verified by Visa’ works as an additional line of defence, and more than 200,000 online merchants rely on this technology.

How to apply for a Horizon Credit Union credit card

If you require professional assistance to complete your application you can drop into a Horizon Credit Union a branch or speak to a Horizon representative over the phone. You can download an application form and mail or fax it in once complete. You can apply online, and to do so simply click on the ‘Go to Site’ button next to the description of the credit card. To apply, you have to meet certain eligibility criteria, which are as follows.

Eligibility criteria

  • You are a permanent resident of Australia
  • You are over 18 years of age
  • You don’t have poor creditworthiness

For quick assessment of your application keep the following documentation handy because you would have to submit the same when you receive conditional approval.

Required documents

  • Copies of last two payslips, and new Horizon borrowers should provide letters from their employers stating commencement date of employment and income details
  • Source of other income and supporting proof
  • Self-employed individuals should provide Notices of Assessment and tax returns for last two financial years
  • Current statements of existing loans, credit cards, and store cards
  • A copy of council rates notice, if you are a home owner
  • A copy of rental receipt, if you are a renter
  • New Horizon members should provide copies of savings account statements that show income credits for the last six months

What happens next?

Once you submit your completed application, a Horizon Credit Union rep might contact you for further documentation. A phone call goes to your employer’s payroll department to verify your income. If you’re new with Horizon Credit Union you have to go through an identity verification process, as stipulated by the Australian government. This might require you to visit a Horizon Credit Union branch.

Frequently asked questions

Certain questions about Horizon credit cards are all too common, and here are answers to the same. If you can’t find an answer to any particular question, use the form at the bottom of the page to ask.

How long does the online application process take?

If you begin with the application with all the required information close at hand, you can complete the application in 10 to 15 minutes. You can also save your online application and retrieve it later.

How can I check the status of my application?

To check the status of your application you can call 1300 366 565.

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

The minimum credit limit of the Horizon Credit Union Visa credit card is $1,000. You can apply for an increase after using your card for a given time period, and you have to meet certain credit criteria in order to qualify.

Is the cash advance rate the same as the purchase rate?

Unlike many other credit cards, this card offers a standard interest rate that applies to, both, purchases and cash advances.

Does this credit card offer rewards?

No, this credit card does not offer any rewards or reward points.

Can I get an additional card?

Yes, you can request for an additional card for anyone as long as the individual in question is over 18 years of age and undergoes an identity verification process.

How can I report a lost or stolen card?

In Australia, if you’re calling within business hours you should call 1300 366 565. After hours calls should go to 1800 648 027. If you’re calling from overseas, you should call 00 61 2 8299 9101.

Can I close my account?

To close your credit card account you have to submit a written request. When the account closes all additional cards linked to it cancel automatically. After the account closes you remain liable to pay any outstanding balance, which includes fees and charges levied before the account’s closure.

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.

Credit Cards Comparison

Rates last updated September 27th, 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