Low Rate Visa Credit Card

A competitive low rate credit card that helps you stay in control of your finances

Enquire

9.90^%p.a.

Interest rate for purchases

45 days

Up to 45 days interest free on purchases

$59

Low Rate Visa Credit Card Annual Fee

Smart

Pay with your smartphone using Apple Pay, Samsung Pay or Google Pay

Features & benefits

Secure

Free protection against fraud and other unauthorised transactions backed by Visa Zero Liability Protection.

Access overseas

Let us know you're planning on using your card overseas to access your money anywhere in the world Visa is accepted. Transactions made overseas are subject to a conversion rate and fee, and foreign ATM fees.

Receiving money is simple

Receive money in real time without having to remember bank details with Osko and your PayID.

View all features

Apply online
It only takes a few minutes to apply online.
Fraud Protection
Fraud protection detects abnormal transactions and spending habits.
Ability to lock your card
For extra safety and convenience, you can temporarily lock your card from within our mobile banking app.

Tap & go
Your Visa card offers the ability to shop faster with payWave technology.
Easy banking
Manage your account from anywhere with our simple Internet Banking or mobile banking app.
Emergency Assistance
24/7 emergency assistance in Australia and overseas if you lose your card.

Smartphone payments
Pay with your smartphone using Apple Pay, Google Pay or Samsung Pay.
Bundle with ease
Connect an everyday transaction account and one of our award winning savings accounts to get the most out of your money.

No branches? No worries!
You can deposit cheques and cash into your account - using the Australia Post Bank@Post national network.^*

This credit card may suit you if you want:

A simple, competitive interest rate on purchases with a low annual fee.
To minimise interest charges and stay in control of credit card debt.
Worldwide access to your money anywhere Visa is accepted.
Access to features like smartphone payments using Apple Pay, Google Pay or Samsung Pay.

Rates & fees

%
Interest rates

9.90%

p.a.

Purchase Interest Rate

Cash advance interest rate

18.99% p.a.

Fees

$59

Low Rate Visa Credit Card Annual Fee

$20

Replacement card within Australia fee

$10

Late payment fee

3.00%

Foreign currency conversion fee

$5

Cash advance fee charged for each cash advance withdrawal you make at an Australian or overseas ATM^{^}

Bank better with Australian Unity

Focused on Wellbeing

We help customers support the health and wellbeing of their family by creating products that help them save on health insurance and the tools to improve their financial control.

Flexible

Our banking products give you the flexibility to change as your life does. Options like applying to see if you can pause your home loan repayments due to a life event or paying using your phone.

Positive Impact

As a social enterprise we focus on our customers, members and the community. We focus on your financial wellbeing through personalised service and competitive rates. Find out about our positive impact on the community.

Experience

We’ve been helping people with their banking solutions for over 30 years and the Australian Unity Group has been around for 180 years so we’ll be able to help you with your banking needs.

Get in touch

Email us

Have a question? Send us an email.

Email us

Call on 1300 790 740

Prefer to chat? Call us Mon - Fri 8.30am - 5:30pm AEST.

Call us

FAQs

Need help? Read our frequently asked questions.

Important information

Fees, and charges and lending criteria apply for all transaction, savings and deposit accounts, loans and credit cards which are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994. Please refer to Low Rate Visa Credit Card Conditions of Use before applying.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant Terms and Conditions (including Low Rate Visa Credit Card Conditions of Use), any Product Disclosure Statement (if applicable) and Financial Services Guide before acquiring any product.

^*Fees and charges may apply.

^{^}Interest on cash advances will apply. Refer to Schedule of Interest Rates – Lending for applicable rates.

Rates stated above are current as of 08 July 2024 and are subject to change without notice.

Key facts sheets Refer to Low Rate Visa Credit Card key facts sheet detailing the facts relating to the Low Rate Visa Credit Card

Our Target Market Determinations are available here.

© Copyright 2018 - 2024 Australian Unity Limited. All loans and deposit products are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994. Australian Unity Bank Limited is a fully owned subsidiary of Australian Unity Limited.

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^®Registered to BPAY Pty Ltd ABN 69 079 137 518

Australian Unity Bank's BSB number is: 803-228

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Low Rate Visa Credit Card

A competitive low rate credit card that helps you stay in control of your finances

Enquire

45 days

$59

Smart