Low Rate Visa Credit CardA competitive low rate credit card that helps you stay in control of your finances
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.
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 and fees
Interest rates
| Cash advance interest rate | 18.99% p.a. |
Fees
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.
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.
Mutual
As a member-owned bank we focus on our customers, members and the community. We focus on your financial wellbeing through personalised service and competitive rates.
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.
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 740Have us call you within 1 business day
Request a call backImportant 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.