Credit Card

With an introductory rate of just 7.90%* and no annual fee, our low rate credit card is designed to help you save money.

Contactless card PIN limits (payWave) are increasing temporarily from $100 to $200, effective 6 April 2020. This will reduce the need for physical contact with a payment terminal and help to lower the risk of COVID-19 transmission.

$0

Application Fee
7.90%pa

Introductory Rate For First 6 Months
$0

Annual Fee

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Rates and fees

Credit card rates and fees

Learn more about the fees, charges and transaction limits on our low rate credit card by using the table below.

All interest rates quoted are subject to change at our discretion. Fees and charges apply. For details of fees and charges, see our Fees and Charges brochure.

Interest rates
Introductory Rate For First 6 Months	7.90%pa
Interest Rate	11.50%pa
Interest rates effective date	Interest rate effective 24 February 2003
Interest rates type	Variable

Other information

Fee	Amount and description
Late Payment Fee	$10
Arrears Administration Fee	$10
ATM Withdrawals Overseas	$4.50
International Conversion Fee	2.90% of transaction value in $AUD
Cash Advances Fee	$4.50 payable when Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost).
Paper Statement Fee	$1.50 payable when you have elected to receive a paper statement by post in addition to a statement available for you to view and download in Internet Banking. It is in addition to fees for replacement and additional statements. It is debited to your credit card account on the 7^th day of the month after the end of a statement period.
Default Notice Fee	$25 payable when we send you a default notice asking you to remedy a default under your credit contract.
Member Trace Fee	$20.00 payable by debit to your account, each time we undertake a search to locate you following your payment default if you changed your address without notifying us.
Copy of Statement Fee	$7 per page payable when you request a listing of previous transactions.
Archive Search Fee	$50 per hour (minimum charge $25). Payable when you request a document that must be retrieved from our archives.
Card Replacement Fee	$10 payable when you request a replacement card.

For full details of our fees, please review the Fees and Charges brochure.

Download the Fees and Charges brochure [PDF]

Features
Discover our low rate credit card

With our low rate credit card, you can make the most of your money—both at home and abroad. Use your credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.
Apply for our low rate credit card today and you could enjoy a special introductory interest rate for the first six months*, as well as other exclusive features including:
- No annual fee
- You may receive up to 55 days interest free period for purchases provided you continue to pay
  your closing balance in full on or before every statement due date.*
- Credit limit of $1,000 - $25,000
- Make fast and convenient payments on purchases up to $100 with payWave¹
- Hassle-free balance transfers
- Safe and secure chip card technology
- Extra protection with Visa Zero Liability²
- 24-hour hotline for lost or stolen cards
- Worldwide acceptance in 200+ countries
- Apple Pay compatible
- Google Pay compatible
- Samsung Pay compatible
Apply here for a credit card

Key facts sheet

Discover the key facts of our low rate credit card

Ready to get started with our low rate credit card? Before you apply, get to know the information provided in the credit card key facts sheet below. When you’re ready, begin the application process online, or download a paper application and visit your local branch.

This information is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Credit card key facts sheet

Effective Date: 23 April 2019

Description of credit card
Product name	Credit Card
Minimum credit limit	$1,000
Minimum repayments	3% of the closing debit balance as per the monthly statement, rounded up by the nearest dollar, by the due date as stated on the monthly statement
Interest on purchases	11.50% pa
Interest-free period	You may receive up to 55 days interest free period for purchases provided you continue to pay your closing balance in full on or before every statement due date
Interest on cash advances	11.50% pa
Promotional interest rate	7.90% pa for the first 6 months
Interest on balance transfers	7.90% pa for the first 6 months (counting from time account is opened not when the balance transfer was performed). After the first 6 months, 11.50% pa
Annual fee	$0
Late payment fee	$10 and is payable when the minimum payment is not received by the due date as indicated on the statement

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from Fees and charges brochure.

For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au.

The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting www.unibank.com.au/creditcardfactsheet.

Here's what you'll need to apply...

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Identification
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Allow 15 minutes to complete application online
+
Details on income and expenses

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Keeping you safe online

UniBank’s online banking helps safeguard you against fraudulent activity online. Learn more about how we protect your credit card online and steps you can take to help protect yourself.

*Important information

* Membership eligibility applies to join the Bank. Fees and charges and lending criteria apply. Credit Card terms and conditions apply.

^ Subject to system availability.

1 at participating merchants.

2 Visa’s Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify UniBank promptly of any unauthorised Visa use.

Credit Card

With an introductory rate of just 7.90%* and no annual fee, our low rate credit card is designed to help you save money.

Credit card rates and fees

Discover our low rate credit card

Apply for our low rate credit card today and you could enjoy a special introductory interest rate for the first six months*, as well as other exclusive features including:

Discover the key facts of our low rate credit card

Credit card key facts sheet

Description of credit card

Make the most of your low rate credit card

Choose how to pay your credit card balance

Review your credit card transactions

Transfer credit card balances

Add an additional cardholder

Manage your credit card online

Learn more about our low rate credit card

If my card is lost, stolen or damaged, will there be a card replacement fee?

How can I decrease my limit or close my credit card?

Here's what you'll need to apply...

Keeping you safe online