UniCredit WA Mutual Banking Credit Union MasterCard

Information verified correct on October 27th, 2016
UniCredit (AW) began in 1964 in the University of Western Australia. They offer a wide range of financial services that include loans, insurance, financial planning services and international currency. In addition to all of these great services, UniCredit offers the MyCard MasterCard.The MyCard MasterCard offers its users a very competitive credit card that is great for everyday use. It has flexible payment options as well as a great rewards program that allows you to turn your points into a number of different rewards.The UniCredit MasterCard is offered in a partnership with CitiBank. Let’s review some of the features of this great card, to see how it will benefit you.

What Are The Rates & Charges?

The MasterCard is offered in both Silver and Gold. The annual fee is $49 p.a. For this fee, you can add as many as 4 extra credit cards to your account. This is great if you want to add a card for your spouse or even for your child.

If you currently have any unpaid or outstanding credit cards, you can take advantage of an excellent balance transfer rate of only . A balance transfer is a great way to minimise or even completely pay off your outstanding credit cards. You can transfer your unpaid balances and pay them off at this great interest rate. This will allow you to pay your balance faster as their is much less interest to pay.

In addition to this, you can benefit from 55 interest free days on your retail purchases. If you sometimes have trouble making your payments on time, these extra days will allow you to have more flexibility with your payments and will save you money on interest.

What Kind Of Rewards Are There?

There are a lot of great rewards that are offered with this card. If you decide to choose the Gold card, then you can convert your reward points into Qantas reward points! For an $118 annual fee, all of your points will automatically get transferred over to your Qantas Frequent Flyer account, which will occur every month on your statement date.

For the regular rewards, you will be able to earn 1 reward for each $1.00 that you spend on your card. Your reward points can then be redeemed for the following:

  • Cashback – which can be used to either lower your balance or can be put towards paying the annual fee of your card
  • Vouchers – which can be for a number of stores, including Myer, Harvey Norman and David Jones
  • Electronics – this includes gadgets such as cameras, mobile phones and iPods
  • Gifts – there are a huge range of gifts for you to choose from, these could be subscriptions, wine or even books.

Is This Credit Card Right For Me?

In order to properly answer that question, you need to evaluate your financial situation. If you can afford the fees and if the rates are favourable, then this card is a great card – especially given the rewards that it offers. It is very important to properly research all of your options when it comes to finding your next credit card.

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Credit Cards Comparison

Rates last updated October 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
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
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 3% balance transfer fee $59 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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