Service One Credit Cards

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Get convenient access to your Service One Overdraft with a Visa Card

The creation of Service One Members Banking was a result of the merger of three credit unions — Snowy Mountains Credit Union, Credit Union of Canberra and Hospitals Credit Union. This merger took place in 2001, and while the three entities continued operating under their respective names, they united in 2006 to become known as Service One Members Banking. With branches spread across New South Wales and the Australian Capital Territory, this credit union offers its members an array of financial services and products like loans, savings and investment accounts, debit and credit cards and banking packages.

Comparison of Service One Members Banking Credit Cards

Rates last updated September 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Service One Visa Card
Receive a low interest rate and low transaction fees to access your funds.
15.25% p.a. $0 p.a. More info

Types of cards that Service One offers

Service One gives its members an innovative credit solution – a Visa card that’s tied to their Overdraft facility. Take advantage of a Visa card and have access to your transaction account and your overdraft facility.

  • Cards with overdrafts

If you need access to credit but don’t want to take out a credit card, you can consider a Visa card that gives you access to your overdraft facility. Overdrafts can come with generally lower minimum amounts and you only pay interest on the amount you use. Have as little as $1,000 tied to your Day to Day account and have access to it anywhere Visa is accepted.

Rates last updated September 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Service One Visa Card
Receive a low interest rate and low transaction fees to access your funds.
15.25% p.a. $0 p.a. 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 banking with Service One

Banking with a credit union like Service One comes with benefits like personalised service, competitive interest rates and reduced fees and charges, and getting a Visa through this credit union comes with various advantages, too.

  • Visa benefits

If you use your card to make purchases online, you can take advantage of the Verified by Visa service that protects your card details. Your card will also come with Visa’s payWave functionality, so any purchases you make in-store for less than $100 are only a quick tap away with no need to enter your PIN.

  • A competitive overdraft

Borrow a minimum of $1,000 and have access to your continuing line of credit. The interest is calculated daily but you’ll only pay interest on the amount you use, not on the amount of credit you have. Depending on your loan balance, discounts on everyday banking could be available.

  • Discounted rate

If you hold a Service One home loan you can access your Visa card at the Standard Variable Home Loan rate, letting you save even more on interest.

How to apply for a Service One Members Banking credit card

You can get a hard copy application by visiting any Service One branch, and you can also apply online. To complete an online application simply click on the ‘Go to Site’ button corresponding to the credit card of your choice. Before you apply, make sure you meet the following eligibility criteria:

Application Criteria

  • You’re at least 18 years old
  • You’re a permanent Australian resident
  • You have good credit history

Required documents

  • Personal. Start by providing your name, date of birth, and proof of your identity.
  • Work. This section requires your last two pay slips and a letter from your employer detailing your start date and salary details.
  • Financial. Provide information about your home and other loans, credit cards and store cards, and if you’re self-employed you’ll need financial statements and tax assessments for the last two years.

What happens next

A Card Services representative might contact you for additional information after reviewing your application. An income verification call goes to your employer’s payroll department — you can help speed the process by letting your payroll department know of the call in advance. If you’re not an existing Service One member you’ll have to apply for membership before you receive your card. In this case, you’ll also have to complete a legally mandated identity verification process.

Frequently asked questions

If you have a question about Service One credit cards you might find the answer here. If not, feel free to use the question form at the bottom of this page.

How much time does it take to complete the online application?

If you begin with all the required information close at hand, you can complete the application in around 10 minutes.

Can I save an application and return to it later?

Yes, you’re able to save your application by entering your email address, you will be given a PIN to retrieve it later. 

Is this available for joint application?

Yes, you can apply for this with a partner.

Can I apply for an increase in my credit card’s limit?

Yes, but you have to meet certain lending criteria in order to qualify.

How do I make repayments?

You can make repayments via payroll deduction, direct debit, Internet or phone banking transfer, or in person at a Service One branch.

How much do I need to repay?

You will need to repay 3% of your outstanding balance, or $20, whatever is greater, per month.

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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

* 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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