Credit Card

9.90^%P.A. Interest rate for purchases

45^days Up to 45 days interest free on purchases

^$59 Low annual fee

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

Apply online

Apply in a few minutes

Features & benefits

Secure

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

Access overseas

Access your money anywhere in the world Visa is accepted.

Receiving money is simple

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

Free additional cards

Get up to 4 additional cards with no additional annual fees.

View all features

Apply online
It only takes a few minutes to apply online.
Fraud Protection
24/7 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.
No ATM fees
When you use any of the Big 4 Banks ATMs. Which means great national coverage.

This account may suit people who:

Need a simple, low fee competitive rate credit card that won’t break the bank.
Don’t pay off their card every month – with a low rate which won’t cost the earth.
Need worldwide access to their money anywhere Visa is accepted.
Like to use features such as smartphone payments using Apple Pay, Google Pay or Samsung Pay.

Rates and fees

%

Interest rates

9.90^%p.a. Purchase interest rate

Cash advance interest rate

18.99% p.a.

$

Fees

^$59 Annual fee

^$0 Card replacement fee within Australia

^$10 Late payment fee

FREE Don’t pay ATM fees when you use any of the Big 4 Banks ATMs

^$0 Bank@Post cash or cheque deposit fee

^$0 Bank@Post withdrawal fee

3.00^% Foreign currency conversion fee

^$5 Cash advance fee when withdrawing money from an overseas ATM

See our full fee schedule

How to apply

What you’ll need to apply

1Proof of identity documents
To apply you need to be 18 years or over and a permanent Australian resident that resides in Australia.

2Contact details
Email address & phone number.

35 minutes of your time
Applying online takes only 5 minutes to complete.

Application process

1Get your documents together

2Complete the online application form
You can save and return to your application at any point.

3Count to three
We’ll contact you within 3 business days to discuss your application. Once approved your Low Rate Visa Credit Card will arrive in approximately 5-7 business days.

Tips and tools

Why choose a low rate
credit card

How to compare low rate
credit cards

Quick links

Credit card calculator

Lost card options

Activate card

More FAQs

Bank better with Australian Unity

focused on wellbeing

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

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.

mutual

Mutual

As a member-owned bank we focus on our customers, members and the community, not shareholder profit. So we focus on our personalised service and competitive rates.

experience

Experience

We’ve been helping people with their banking solutions for over 30 years and the Australian Unity Group has been around for over 175 years so we’ll be able to help you with your banking needs.

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.

Terms & Conditions

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

Low Rate Visa Credit CardA competitive low rate credit card that helps you stay in control of your finances