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Low Rate Visa Credit Card

A competitively low rate credit card

Take advantage of one of the lowest purchase rates around with our award winning Low Rate Visa Credit Card

Easy Saver
Up to
9.90%p.a. purchase interest rate
Our award winning Low Rate Visa Credit Card has up to 45 days interest free on purchases, a low annual fee of $59 and a competitive 18.99% p.a. for cash advances.
Apply online
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


Safer online transactions with Verified by Visa

Pay with your smartphone

Pay with your smartphone using Apple, Samsung and Google Pay

Additional cards

Up to four additional cards at no extra cost

Health insurance

Access to Up to 10% off Australian Unity health insurance *

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


Our products

Lost your card?

Stay secure.

Put a temporary block on your card via our app or call 1300 790 740.

More details

Pay with your smartphone

Pay quickly and securely
using Apple Pay, Samsung
Pay or Google Pay.

Discover how

Save 10% on health insurance

As a home loan customer,
save a bundle on
health insurance with us.

Start saving today

Important information

*10% discount includes all other retail discounts and is only available when paying by direct debit. This discount is for new customers only and is not available through health insurance brokers or comparators. Not to be used in conjunction with any other offer or discount. Excludes Overseas Visitors Cover.

Fees, Charges and Lending criteria apply for all loans and credit cards. Please refer to Terms of Use before applying for 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.