Select Credit Union Visa Credit Card

Posted March 17th, 2011 and last modified August 6th, 2014

Receive a competitive 10.99% interest rate and plenty of benefits with the Select Credit Union Visa Credit Card.

Select Credit Union is a community-based banking organisation which offers its Visa Credit Card for everyday use. The card attracts a competitive interest rate of 10.99% and a low annual fee of $30. It allows you to access extra funds when you need them without having to pay high fees.

If you need additional finances but you’re not sure if this card is right for you, Select Credit Union also offers personal loans, new car loans, overdraft and used car loans.

Things to consider about the Select Credit Union Visa Credit Card

The Select Credit Union Visa Credit Card works like a regular credit card. You can use this card to take care of your regular expenses, use it overseas and use the card to make purchases on the phone or online. The card also has ATM and eftpos access so you won’t get caught out when you’re out and about.

The credit card has a competitive interest rate and up to $55 interest-free days. It’s a simple card that can be used for everyday transactions, buying something special or travelling overseas.

Features of the Select Credit Union Visa Credit Card

  • Annual fee. The Select Credit Union Visa Credit Card comes with a competitive $30 annual fee to save you money upfront each year.
  • Interest rate. This card attracts a low interest rate of 10.99%, with interest calculated daily and charged monthly.
  • Up to 55 days interest-free. Receive up to $55 interest-free days with the Select Credit Union Visa Credit Card. This provides you with an incentive to pay your balance within the specified time frame without attracting any interest.
  • Worldwide acceptance. This card is accepted all over the world, providing you with great convenience when travelling.
  • Paywave. With new paywave technology you can save time at the register. With purchases under $100, it’s as simple as holding your card up to the card reader – there’s no need for a pin or signature.
  • Security. The Visa Card has a number of built-in features to protect you when making purchases, including new chip technology.

Compare the features of the Select Credit Union Visa Credit Card with other credit cards offering similar features.

Select Credit Union Visa Credit Card
Select Credit Union Visa Credit Card
Westpac Low Rate Card
Westpac Low Rate Card
HSBC Credit Card
HSBC Credit Card
Citibank ReadyCredit
Citibank ReadyCredit
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
ANZ First Visa Credit Card
ANZ First Visa Credit Card
NAB Low Fee Card
NAB Low Fee Card
Go to siteMore infoGo to siteMore infoGo to siteMore infoGo to siteMore infoGo to siteMore infoGo to siteMore info
Purchase Rate (p.a.)10.99% p.a.0% p.a. for 12 months (reverts to 13.49% p.a.)17.99% p.a.19.49% p.a.20.74% p.a.19.74% p.a.19.74% p.a.
Balance transfer rate (p.a.)1.99% p.a. for 12 months0% p.a. for 6 months5.9% p.a. for 24 months0% p.a. for 14 months0% p.a. for 16 months4.99% p.a. for 6 months
Offer end date30 September 201430 September 201430 September 201430 September 201427 October 201419 October 2014
Cash advance rate (p.a.)10.99% p.a.21.49% p.a.21.99% p.a.19.49% p.a.20.99% p.a.21.49% p.a.21.74% p.a.
Interest Free Days on Purchases55 days55 days55 days0 days44 days44 days44 days
Fees & Charges       
Annual Fee$30 p.a.$45 p.a.$0 p.a.$0 p.a.$129 p.a.$30 p.a.$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Balance Transfer Fee0%0%
Minimum Repayment2%3%1%2%2%2.5%
Late Payment Fee$9$30$10$10$20$5
Over Limit Fee$9$30$40$40$20$0
Overseas Emergency Replacement$0$200$0$100
Overseas ATM Balance check$0$0$0$0$0
Overseas ATM Withdrawal$5$4.50$0$4$4
Foreign Currency Conversion Fee (VISA)2% of transaction value3% of transaction value3% of transaction value3.3% of transaction value3.3% of transaction value3% of transaction value3% of transaction value
Gambling Transactions AllowedNoYesNoNoNoNoNo
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0$0$0$39$0$0
Number of Additional Cardholders1113
Application Requirements       
Minimum Income$15,000$20,000$35,000$35,000$15,000
Minimum Age18 years of age18 years of age18 years of age18 years of age18 years of age18 years of age18 years of age
Available to Temporary ResidentsNoYes - Conditions applyYesNoNoNoNo
Credit Rating RequirementGoodGoodGoodGoodGoodGoodGood
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000$1,000$5,000$6,000$1,000$500
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$30,000$60,000$100,000$15,000$2,500
Go to siteMore infoGo to siteMore infoGo to siteMore infoGo to siteMore infoGo to siteMore infoGo to siteMore info

How to apply for a Select Credit Union Visa Credit Card

If you have decided the Select Credit Union Visa Credit Card is right for you, you can begin the online application, but you will need to make sure you meet the following eligibility requirements:

  • You must be at least 18 years of age
  • You must be an Australian permanent resident

To complete your application, you’ll need to supply the following documents:

  • A current payslip or letter from your employer stating the details of your employment, including salary and commencement date
  • Driver’s licence
  • Select Credit Union membership details if you are already a member
  • Proof and source of any other income
  • Full financial statements and tax assessments for the past two years if you are self-employed.
  • Statement of your home and/or other loans
  • A statement including your other credit cards and store cards
  • A copy of your rental lease or letter from the owner

For a handy everyday credit card with a wealth of benefits and international usage, the Select Credit Union Credit Card is a viable option to consider. Apply online today to get your card.

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Credit Cards Comparison

Rates last updated September 2nd, 2014.
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Low Rate
ANZ Low Rate
A low rate on purchases, balance transfer and a low annual fee. 13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Go to siteMore info
Westpac 55 Day Platinum Card
Westpac 55 Day Platinum Card
Exclusive Offer to Credit Card Finder. 0% p.a. for 12 months on Purchases
$0 annual fee with platinum benefits including a platinum concierge service, overseas travel insurance, extended warranty cover and purchase security cover.
0% p.a. for 12 months (reverts to 19.84% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. 21.29% p.a. Go to siteMore info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to siteMore info
ANZ Frequent Flyer
ANZ Frequent Flyer
Get 50,000 bonus Qantas Points once you spend $1,500 on eligible purchases within 3 months. Earn 1.00 point per $1 spent on your AMEX and 0.50 points per $1 spent on your Visa. 19.99% p.a. $95 p.a. (which includes a $40 annual account fee and a $55 Rewards Program services fee) 21.49% p.a. Go to siteMore info
Coles No Annual Fee MasterCard
Coles No Annual Fee MasterCard
Enjoy a low interest rate plus a $0 annual fee. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 17.99% p.a. Go to siteMore 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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