Select Credit Union Visa Credit Card

Information verified correct on May 5th, 2016

Receive a competitive 10.99% p.a. 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% p.a. 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.

Product NameSelect Credit Union Visa Credit Card
Purchase rate (p.a.)10.99% p.a.
Annual fee$30 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you dont have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)10.99% p.a.
Card TypeVisa
Foreign Currency Conversion Fee (VISA)2% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Annual Fee$30 p.a.
Cash Advance Fee$4
Foreign Currency Conversion Fee (VISA)2% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0 p.a.
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes

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% p.a., 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.

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 May 5th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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 0.99% p.a. for 4 months with a low annual fee.
0.99% p.a. for 4 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 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.
14.99% p.a. 0% p.a. for 12 months $0 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
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards 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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