Pulse Credit Union Credit Cards

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Are you looking for a credit union that offers a low rate or platinum MasterCard? Well, Pulse Credit Union does.

Pulse Credit Union merged with Melbourne University Credit Union and La Trobe University Credit Union in 2011, and now has five branches and two agencies in Victoria. While this credit union previously offered membership only to employees from the health service industry and employees from La Trobe University and University of Melbourne as well as their immediate family members, it now allows members from extended families and friends to join. This credit union offers a range of financial services and products, which include home loans, car loans, personal loans, credit cards, transaction accounts, savings accounts, and term deposits.

Comparison of Pulse Credit Union Credit Cards

Rates last updated September 28th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Pulse Credit Union MyCard Low Rate Mastercard
Receive up to 55 days interest free, the option to have up to four additional cards and complimentary purchase cover.
20.24% p.a. 0% p.a. for 9 months $75 p.a. More info
Pulse Credit Union MyCard Platinum Mastercard
Receive 1.250 Rewards points per $1 spent, complimentary domestic travel insurance and higher levels of purchase cover.
20.24% p.a. 0% p.a. for 14 months $179 p.a. More info

Types of credit cards that Pulse Credit Union offers

Pulse Credit Union offers two MyCard MasterCard alternatives from which to choose, and these are cards meant especially for credit union members across Australia.

  • Low rate credit cards

If you’re not someone who uses rewards you should consider getting a low rate card, one that offers a low interest rate. The Low Rate MyCard MasterCard gives you the ability to use your card just about anywhere in the world, at EFTPOS terminals and at ATMs. You can get up to 55 interest free days on purchases, you can apply for additional cards, and you get complimentary purchase cover.

Rates last updated September 28th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Pulse Credit Union MyCard Low Rate Mastercard
Receive up to 55 days interest free, the option to have up to four additional cards and complimentary purchase cover.
20.24% p.a. 0% p.a. for 9 months $75 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 

  • Platinum credit cards

Platinum cards tend to come with some kind of a rewards program which rewards you in accordance to how much you spend. In addition to offering cardholders the ability to earn and redeem reward points, the Platinum MyCard MasterCard comes with various complimentary insurance covers suited for frequent travellers. This card also gives cardholders access to a round-the-clock concierge service. When used in the right manner, you can avail of up to 55 interest free days on purchases.

Rates last updated September 28th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Pulse Credit Union MyCard Platinum Mastercard
Receive 1.250 Rewards points per $1 spent, complimentary domestic travel insurance and higher levels of purchase cover.
1.25 20.24% p.a. 0% p.a. for 14 months $179 p.a. More info
Rates last updated September 28th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
VISA/MC: 0.66 AMEX: 0 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
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.
VISA/MC: 0 AMEX: 0 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 70,000 bonus Qantas Points on eligible spend, plus enjoy a 0% p.a. for 6 months offer on balance transfers.
70,000 bonus points VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year.
VISA/MC: 0 AMEX: 0 19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
60,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. $199 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
VISA/MC: 1.25 AMEX: 0 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Also receive a complimentary Virgin Australia domestic economy return flight every year.

10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. 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 20 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
VISA/MC: 0 AMEX: 0 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info

Learn more about platinum credit cards 

Benefits of Pulse Credit Union credit cards

Banking with a credit union comes with a number of benefits, and getting a credit card through Pulse Credit Union is no different. Here’s what you can look forward to when you use the low rate or platinum MasterCard.

  • Complimentary insurance covers

If you use a low rate MasterCard you get additional peace of mind through its guaranteed pricing scheme and purchase cover insurance. The platinum credit card also offers these, as well as extended warranty insurance, interstate flight insurance, international travel insurance, and transit accident insurance.

  • Secure shopping

Both these credit cards come with multiple layers of security to ensure you have a secure shopping experience. They make use of chip technology, which is a considerable step up when compared to cards that still rely on magnetic strips. Fraudshield is in place to detect irregular transactions, and should one occur, you receive a phone call on your registered phone number immediately.

  • Easi Pay

This service allows you to set up direct debits using any Australian bank account, and this takes away the hassle of having to remember making repayments each month.

  • My Offers

When you log in to your MyCard MasterCard account online you can access My Offers which gives you numerous offers from which to choose. These can include credit card upgrades, credit limit increases, and balance transfer offers.

  • Free card replacement

You can look forward to a free replacement card in the event of a damaged, lost, or stolen card.

How to apply for a Pulse Credit Union credit card?

You can apply for a Pulse Credit Union credit card by visiting any of its branches or begin the process over the phone. To apply through the Pulse Credit Union website simply click on the ‘Go to Site’ button next to details of the credit card you choose. You have to meet the following eligibility criteria for the credit card provider to consider your application.

  • You’re aged over 18 years
  • You’re a permanent resident of Australia
  • You don’t have bad credit history

Completing the application requires that you provide different kinds of information, which includes the following.

  • Personal details. These include your name, contact details, driver’s license number, marital status, and number of dependents.
  • Employment details. Provide details about your occupation, industry, and employment status, along with your employer’s name and contact details.
  • Financial information. This includes information surrounding your income, expenses, assets, and liabilities, and this information remains subject to verification. Income refers to income from all sources; expenses include living expenses and any other recurrent expenses; assets can include real estate, vehicles, and investments; and liabilities comprise all your existing loans, credit cards, store cards, and overdrafts.

Application checklist

Along with your application you have to provide proof of income, assets, and debts, so prepare to part with the following.

  • Copies of last two payslips and a letter from your employer that confirms your income and employment status
  • Self-employed individuals should provide profit and loss statements along with tax returns for the last two years
  • Recent rent receipts or home loan statements
  • Recent statements of other existing debts
  • Copies of existing home and auto insurance policies

 What next?

If the credit card provider requires any additional information after reviewing your application you can expect a phone call. Your employer’s payroll department receives an income verification call as part of the process. If you’re not a Pulse Credit Union member you have to become one in order to receive your card. New members have to go through a legally mandated identity verification process.

Frequently asked questions

Here are answers to questions that people commonly ask about Pulse Credit Union credit cards, and you can use the form at the end of the page to leave a question.

How long does the application take to complete?

With all the information close at hand you can complete the application process in a matter of minutes. You can save your application at any stage and access it later.

Can I find out about my application’s status?

To check the status of your application you can visit the Card Services website or call 1300 135 538.

Can I apply for an additional card?

You can get as many as four additional cards linked to the primary account, and when the primary card is a platinum card even the additional cards earn reward points.

What credit limits do these cards offer?

The low rate card comes with a minimum limit of $2,000, and its maximum limit is $15,000. The platinum card offers minimum and maximum limits of $6,000 and $30,000, respectively.

Can I apply for an increase in credit limit?

You can apply for an increase in your card’s limit but to qualify you have to meet certain credit criteria.

How can I make repayments?

You can set up auto repayments using just about any Australian bank account, and you can make payments via online and phone banking. You can mail in a cheque, you can pay via BPAY, or you can pay at an Australian Post office.

How do I earn reward points?

You earn reward points when you use your Platinum MasterCard to make over-the-counter, online, or over-the-phone purchases, and every dollar you spend earns 1.25 reward points. Your reward points accumulate in your Card Services Rewards Program account.

Do reward points expire?

Your reward points don’t expire as long as your account remains active and in good standing.

Is there a cap on the number of reward points I can earn?

With the platinum card you can earn as many as 100,000 reward points in every 12 months cycle, which begins from the date you enrol into the program.

How can I redeem my reward points?

One way is to visit the Card Services website, and you can also redeem your reward points by calling Call Services on 1300 135 538.

What can I redeem my reward points towards?

You can redeem your rewards points for travel rewards, which include flight tickets and holiday vouchers. You can also get shopping vouchers for stores like David Jones, Myers, Bunnings, and Target. Another option is to use your reward points in the form of cashback, to pay your annual fee or reduce your outstanding balance.

What should I do to report a lost or stolen card?

To report a lost or stolen card from within Australia you should call 1300 135 538 24, and from overseas you should call +61 7 3310 6020.

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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.

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