Select Credit Union Visa Credit Card

Posted March 17th, 2011 and last modified October 7th, 2014

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
Interest Rate on Purchases10.99% p.a.
Annual Fee$30 p.a.
Interest Free Period
on Purchases
The Interest free period on purchases is the period or number of days you don't have to pay interest on your card purchases. This would usually start from the first day of your credit card statement and not when the purchase is made.
up to 55 days
Interest Rate on Cash Advances10.99% p.a.
Card TypeVisa
Foreign Currency Conversion Fee (VISA)2% of transaction value
Complimentary Travel InsuranceNo
Available to Temporary ResidentsNo
Joint ApplicationNo

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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