Maritime Mining Power Credit Union Credit Cards

mmpcu-logoApart from giving you easy access to funds, the MMPCU Visa credit card comes with a special introductory interest rate.

Maritime, Mining & Power Credit Union (MMPCU) began operations in 1970, in the form of Maritime Workers of Australia Credit Union. Its current name came into effect in 2008, after a merger with Power Credit Union. While this credit union previously offered its services only to maritime industry employees and their family members, over time it accepted members from mining and power industries as well as local communities. In 2010, Gosford City Credit Union and Reliance Credit Union became divisions of MMPCU. This credit union offers its members an array of financial services and products, which include a Visa credit card.

Comparing the MMPCU Credit Card

Rates last updated September 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Maritime, Mining & Power Credit Union Visa Credit Card
No annual fee for the first year and a low introductory rate for the first 6 months.
7.99% p.a. for 6 months (reverts to 10.12% p.a.) 7.99% p.a. for 6 months $0 p.a. annual fee for the first year ($60 p.a. thereafter) More info
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Types of credit cards that MMPCU offers

MMPCU offers a credit card that gives you easy access to funds and flexible repayment options, and while this is the only card that this credit union offers, it comes with a number of useful features.

  • Low rate credit cards

A low rate card, in addition to a low interest rate, can offer other features, although these tend to vary from one card to the next. The Visa credit card that you can get through MMPCU charges the same low rate for purchases and cash advances and this is not something you find with most credit cards. This card comes with an introductory rate, and you don’t have to pay an annual fee in the first year. You can also look forward to as many as 55 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
Maritime, Mining & Power Credit Union Visa Credit Card
No annual fee for the first year and a low introductory rate for the first 6 months.
7.99% p.a. for 6 months (reverts to 10.12% p.a.) 7.99% p.a. for 6 months $0 p.a. annual fee for the first year ($60 p.a. thereafter) Up to 55 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 Maritime, Mining & Power Credit Union credit cards

Getting a credit card through the Maritime, Mining & Power Credit Union comes with a number of benefits, and here’s what you can expect.

  • Interest free days with a difference

With most credit cards you have to pay your balances in full each month to avail of interest free days on purchases, but the MMPCU credit card works differently. With this card, your outstanding amount notwithstanding, you get up to 55 interest free days on all purchases.

  • Annual fee waiver

Apply before a given date and look forward to a waiver of the first year’s annual fee. If you have the All in One Home Loan with MMPCU, the annual fee does not apply at all.

  • Introductory rate

This low rate card offers an even lower introductory rate that stays in place for the first six months. While this introductory rate applies on purchases, you can also use it to transfer balances from existing credit cards and store cards.

  • Global access

More than 24 million merchants in around 220 countries accept Visa as a form of payment so you can use your Visa credit card just about anywhere. You can use any ATM that displays the Visa logo to withdraw cash. Your card also gives you the convenience to make online and phone transactions, whether it’s to shop or to pay bills.

How to apply for an MMPCU credit card

You can apply for an MMPCU credit card by visiting a branch or you can request a callback from an MMPCU specialist. You have the option to download an application and you can also complete one online. To get started with an online application, simply click on the ‘Go to Site’ button located next to the credit card’s details. Before you begin with the application, establish that you meet the following eligibility criteria.

Application Criteria

  • You are aged over 18 years
  • You are an Australian citizen or a permanent resident of Australia
  • You have good credit history
  • You have a steady source of income

Required documents

  • Personal details. These include your complete name, date of birth, marital status, number of dependents, and driver’s license number.
  • Contact details. These include your home address, email address, phone number, and the most convenient time to call.
  • Employment details. This section requires you to enter your occupation, employment status, employer’s name, employment address, and length of employment.
  • Income. Provide details of income from all sources.
  • Monthly expenses. Provide details about rent, mortgage payments, loan payments, credit card payments, and other ongoing expenses for food, bills, transportation, and so on.
  • Assets. Assets include equity in home, vehicles, household goods, savings, term deposits, and superannuation.

What happens after submitting an application?

After you submit your application you receive a reference number that you can use to track your application, and an MMPCU rep should contact you within 48 hours. MMPCU, in all likelihood, would call your employer to carry out a routine income verification process.

Upon approval, if you’re not an existing MMPCU member you’ll have to become one before receiving your card. You’ll also have to complete an identity verification process, as mandated by the Australian government, and this might require you to visit an MMPCU branch.

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Frequently asked questions

Given below are answers to questions that people commonly ask about MMPCU credit cards. You can use the form at the end of the page to ask a question.

How quickly can I complete the online application?

The application should take around 10 minutes to complete, but it requires that you have access to different kinds of information. You can save your application in between and access it using your email address and a PIN.

Can I check my application’s status?

You get a reference number after submitting your application, and you can use this number to track the progress of your application.

Can I get an additional card and does it attract a fee?

You can apply for an additional card and there is no additional card fee.

What is the credit limit of this card, and can I request for an increase?

The minimum credit limit of this card is $1,000 and the maximum is $30,000. While you can submit an application for an increase in your card’s limit, you have to meet certain criteria to qualify, and there is no guarantee of approval.

What happens to the introductory rate after six months?

The introductory rate applies to all purchases you make within six months from the date of your card’s approval, and at the end of this period any outstanding balance starts attracting the card’s standard variable rate.

How can I make payments?

You can set up automatic payments linked directly to your payroll, and you have the option of setting up direct debits using a transaction or savings account. You can transfer funds via online or phone banking. Other options include making payments at MMPCU branches or National Australia Bank branches, and you can also make payments via giroPost.

Does this card offer any rewards?

MMPCU credit cards don’t come linked to any kind of a rewards program.

What should I do if I lose my card?

To report a lost or stolen card within business hours you should call MMPCU on 1300 36 2000. If you’re calling after hours, call the Visa toll free number on 1800 450 346.

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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

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