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.

$0

Application Fee
7.90%pa

Introductory Rate For First 6 Months
$0

Annual Fee

Get started

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
- Up to 55 days interest free on purchases
- 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

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
Application Fee	$0
Annual Fee	$0
Late Payment Fee	$10
Arrears Administration Fee	$10
Minimum Amount	$1,000
Maximum Amount	$25,000

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: 1 September 2017

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	Up to 55 days on purchases
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.

Manage your credit card
Make the most of your low rate credit card

Increase your credit card limit

Going overseas? Extra expenses this month? You also have the option apply to increase your credit card limit and have the peace of mind of knowing you have extra funds available when you need them^*.

To receive a written invitation to increase your credit card limit, we’ll need your consent. You can provide your consent by:
- Logging into internet banking and selecting the eCommunication and Consent tab
- Contacting us here
You can give or withdraw your consent at any time using these methods.

Choose how to pay your credit card balance

With our low rate credit card, it’s easy to pay your credit card balance on your own schedule. You can:
- Contact us to arrange automatic minimum or outstanding balance payments, deducted from your Everyday account or Everyday Direct account each month
- Transfer funds from your other UniBank accounts using internet banking or phone banking
- Make a payment online using BPAY^®
- Mail us a cheque from another financial institution
Review your credit card transactions

For 24/7 access to your credit card transactions^{^}, simply:
- Log in to internet banking
- Call phone banking anytime
Transfer credit card balances

Reduce the hassle and cost of managing multiple credit cards and benefit from our low interest rate with our balance transfer option. Please refer to the Credit Card terms and conditions for the conditions relating to balance transfers. You can apply to transfer the outstanding balance of any other credit or store cards you may have up to your available credit limit.

Add an additional cardholder

Did you know you can operate multiple credit cards on one account? Simply complete the Additional cardholder application to start managing a single credit card statement each month. If you’re additional cardholder is not a signatory to another UniBank account, you’ll also need to complete the Document Certification Statement.
Manage your credit card online

Whether you need to work out your credit card repayments or simply want to view your transactions online, our easy-to-use mobile app and online tools make managing your credit card a breeze.
FAQs
Learn more about our low rate credit card

Find out if our low rate credit card is right for you with our list of Frequently Asked Questions.
>Who can apply for a Credit Card?

>What will my credit limit be?

>How long does it take to apply and how fast can I get approval?

>Can I have an additional card/s?

>How do I make repayments?

>How much do I have to pay monthly?

>When is the introductory interest rate applicable to me?

>When and how will I receive my monthly statement?

>Can I transfer balances from other cards?

>Is there an annual card fee?

>Do I receive up to 55 days interest free on all purchases?

>Can I access 24/7 telephone and internet banking services?/p>

>How do I increase my credit limit?

>Will my card be issued with the payWave functionality?

>Will I be able to use my card on Android Pay?

>Will I receive a PIN with my Credit Card?

>Will I need a PIN number for overseas transactions?

>What if my card is lost or stolen?

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

>When should I receive the replacement card and PIN number?

>My Credit Card will expire at the end of this month. How do I renew my card?

>Will my card be embedded with a chip to give me greater protection from fraud?

>Can I set up recurring transactions?

>What is Verified by Visa?

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

Who can apply for a Credit Card?

You must be 18 years of age or older to apply for a Credit Card. You must also be a UniBank member or be eligible to become a member.

What will my credit limit be?

Your credit limit will be determined by your income and financial commitments. Limits range from $1,000 up to $25,000.

How long does it take to apply and how fast can I get approval?

Online applications take approximately 10 – 15 minutes and you should receive conditional approval within 24 hours (weekdays). You will then receive a phone call to confirm your details and written confirmation of your employment and income and expenditures will be requested at that time (if not previously supplied).

Once all this has been completed a letter of offer will be sent followed by your Credit Card within 4-6 business days. You can also apply for a card at any of our offices or complete an application and return by mail or fax.

Can I have an additional card/s?

Yes. You can choose to have an additional card/s issued to family or any other persons, providing they are over 18 years of age. The additional card/s operate in the same manner as your primary card and you will be responsible for their usage. Apply for an Additional Credit Card

How do I make repayments?

You can choose to pay part or all of any outstanding balance by using any of the following options:
- Transfer from your other UniBank accounts via phone or internet banking
- Organise an automatic repayment to have the minimum repayment amount due automatically deducted from your Everyday account
- Use BPAY from another financial institution
- Mail a cheque to us
How much do I have to pay monthly?

You must pay the minimum payment (by the due date), which is found on your monthly statement. This amount is 3% of the closing balance. If you don’t pay the minimum payment by the due date, you may be charged an arrears administration fee and may have your account restricted.

When and how will I receive my monthly statement?

You can choose to receive your statement by mail or elect to download it in internet banking. The statement cycle commences on the 23rd of each month and continues until the 22nd of the following month, upon which a statement will be generated. This is forwarded to you 3 – 4 business days after the closing date.

When is the introductory interest rate applicable to me?

The introductory interest rate is applicable to new cardholders for 6 months. At the end of the 6 month period, the interest rate reverts to the standard Credit Card ongoing rate. If in those first 6 months you make a balance transfer from another card to the Credit Card, you will also receive the promotional interest rate on the balance up until the 6 months promotional period ends. Members that have previously held a Credit Card in the past are not eligible for the promotional interest rate.

Can I transfer balances from other cards?

Yes. You can save money by transferring any unpaid balances you have with other credit or store cards to your Credit Card. Complete the balance transfer section of the Credit Card application when applying or alternatively organise to transfer your balances over once you receive your credit card.

Is there an annual card fee?

No. You will not be charged an annual card fee.

Do I receive up to 55 days interest free on all purchases?

Yes. Even if you do not repay your outstanding balance entirely in the previous month, you are still eligible for the up to 55 days interest free period on every purchase.

Can I access 24/7 telephone and internet banking services?

Yes. Phone banking is accessible by calling 1800 864 864 and is available 24/7. Internet banking is available via the the login button above.

How do I increase my credit limit?

To increase your credit limit please complete the Credit Card Limit increase application.

Will my card be issued with the payWave functionality?

Yes. Visa payWave is a new contactless method of payment. It is a simple, secure and quick payment method for transactions up to $100. The technology enables cardholders to ‘tap’ their card on a contactless POS (point of sale) terminal to make transactions up to $100, rather than ‘swiping or dipping’ their card into POS terminals.

Will I be able to use my card on Android Pay?

Yes. Android Pay is new app that offers a smarter way to pay. You can now simply pay in person at the tap of your phone or select the Android Pay icon to make in-app purchases. To add your card, follow these simple steps.

Will I receive a PIN with my Credit Card?

Yes. For a new or additional card, the card will be sent to you in the mail after you receive your PIN.

If you are replacing a damaged card or renewing an existing card, the PIN will remain the same.

Will I need a PIN number for overseas transactions?

Yes. Whether you are using a magnetic stripe or chip card, we strongly recommend that you know your PIN before travelling overseas. If you do not know your PIN, please call us on 1800 864 864.

What if my card is lost or stolen?

If your card is lost, stolen or you believe it may have been compromised, you must advise us immediately.

Call 1800 864 864

Outside Australia, call +61 8 9389 1011.

If the country you are located in is not listed, or if you experience any difficulties with the above toll-free numbers, you can place a collect call through your local operator from overseas, to the 24 hour Visa Global Customer Assistance Service on +1 303 967 1090.

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

Yes. A card replacement fee is payable when a card is damaged, captured, lost or the PIN is forgotten.

If you are overseas when your card is lost, stolen or damaged, you can contact Visa Global Customer Assistance to request an emergency card. The cost of this service is $150.

When should I receive the replacement card and PIN?

A replacement card and a new PIN (if applicable) will be mailed to you separately within 7 business days.

My Credit Card will expire at the end of this month. How do I renew my card?

You can continue to use your existing card until the last day of the month stated e.g. if the expiry date is 11/14 the card will expire on 30 November 2014.

A renewal card will automatically be issued during the expiry month and your PIN will remain the same. If you do not receive your new card by the 21st of the month in which your card expires, please call us on 1800 864 864.

Will my card be embedded with a chip to give me greater protection from fraud?

Yes. All new, renewal and replacement Visa debit cards are issued with chips in line with the global standards for card security.

Can I set up recurring transactions?

Yes. You can set up recurring transactions to other organisations like insurance or car repayments to be charged to your card.

To set up a recurring transaction with other organisations, you must provide them with your 16 digit card number and expiry date, and advise the card type is Visa. As an additional security measure some organisations may require you to provide a CVV number (this is the three digit code located on the back of your card to the right of the signature panel).

What is Verified by Visa?

Verified by Visa is a free service to ensure you are protected while shopping online with your card at participating merchants. All cards are automatically protected.

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

To reduce your credit limit or close your credit card, contact us for more details.
Looking for more support? Contact us online or by phone to speak to one of our friendly advisors.

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

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+
Identification
+
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.

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:

Credit card rates and fees

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

Increase your credit card limit

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?

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

Keeping you safe online