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Credit Card

Get a low-rate, award-winning credit card

A good bank helps you stay in control of your finances with a competitive low rate credit card.

Easy Saver
Up to
9.90%p.a. Purchase Rate

With a low 9.90% p.a. interest rate on purchases, up to 45 days interest free on purchases, and with a low annual fee of $59, our Low Rate Visa Credit Card is one of the best value cards on the market.

Apply now
Applying is easy and takes less than 5 minutes. A few things before you start:

You need to be 18 years or over

You must be a permanent resident of Australia
Must not have previously held an Australian Unity Low Rate Visa Credit Card account
Apply now

More than just a great rate


Online transactions are protected by Verified By Visa and our temporary card block ability.


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


Get up to 4 additional cards at no extra cost and instant transfers between your Australian Unity accounts.


Manage your account from anywhere with our simple Internet Banking or mobile banking app.

Fees and charges

Purchase interest rate


Cash advance interest rate

18.99% p.a.

Interest free period on purchases

Up to 45 days

Minimum credit limit


Late payment fee


Additional card annual fee

Free up to 4 cards

Annual Fee


Application fee


Apply in 5 minutes

A few things before you start:

  • You need to be 18 years or over; and
  • You must be a permanent Australian resident

To apply you may need:

  • Your Australian driver’s licence
  • Australian passport
  • Medicare card
Once approved your Low Rate Visa Credit card will arrive in approximately 5-7 business days.

Please read our Terms and Conditions and Privacy Policy before applying.

Apply in 5 minutes

Chat with us

Whether it’s understanding terminology, you’re looking to apply or you have a question about your account we can help you with all your banking questions.

Speak with us today

Monday to Friday - 8.30am to 5.30pm AEST

Call 1300 790 740

Have us call you within 1 business day

Request a call back

Important information

Fees, charges and lending criteria apply and product terms and conditions available on application. Please refer to Terms of Use before applying for any product.

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 Terms of Use), any Product Disclosure Statement (if applicable) and Financial Services Guide before acquiring any product.

Rates stated above 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