---
title: "Visa Credit Card — Credit Union SA"
description: "Credit & Charge Cards from Credit Union SA. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/credit-union-sa/products/CREDITUNIONSA_OD_500
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-29T00:00:00.000+10:00
---
# Visa Credit Card — Credit Union SA
> Credit & Charge Cards from Credit Union SA. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.
**Credit & Charge Cards**
Our Visa Credit Card offers 6 months of 0% pa on balance transfers. Afterwards you’ll still enjoy a low ongoing interest rate, with the same low rate applying for all purchases and cash advances. You’ll have the ability to make fast payments with Google Pay, Apple Pay, Samsung Pay, Garmin Pay and Visa payWave. It’s also highly secure, with microchip technology, 24/7 fraud monitoring, Visa’s Zero Liability policy and Visa Secure for online purchases from participating merchants and payWave. You’ll also be able to temporarily lock your card (if you misplace it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking.
## At a glance
- **Purchase rate:** 11.99%
## Apply
Applications are handled by the provider: [Apply at Credit Union SA](https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=joint-credit-card)
## Interest rates
| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 0% | 0% | — |
| Purchase | 11.99% | 0% | — |
| Cash advance | 11.99% | 0% | — |
## Fees
| Fee | Type | Amount |
| --- | --- | --- |
| Transaction — No transaction or withdrawal fees | Transaction | $0.00 |
| Arrears — Arrears administration fee | Event | $15.00 |
| Currency Conversion — Visa Currency Conversion | Event | 3% of transaction |
| Lost VISA Card — Lost VISA Card · Payable when you lose or misplace your VISA Card and we need to order you a new card | Event | $10.00 |
| Visa Credit Card Periodic — Annual fee · Discount −$0.00 — Annual fee is waived for any employee of the education community and students carrying out studies in education and eligible family members(these are parents, children, grandparents, grandchildren, siblings and partners only). (eligibility: Students: Application fee is waived for any employee of the education community and students carrying out studies in education and eligible family members(these are parents, children, grandparents, grandchildren, siblings and partners only).; Employment status: Application fee is waived for any employee of the education community and students carrying out studies in education and eligible family members(these are parents, children, grandparents, grandchildren, siblings and partners only).) · Discount −$0.00 — Annual fee is waved for any employee at SA Power Network (eligibility: Employment status: Offers are available to employees within any of the following companies or fields of employment SA Power Networks, Foodbank SA/NT, St John Ambulance SA and other organisations, as join the program.) | Ongoing | $59.00 |
## Features
- **Card access** — Visa Credit Card
- **Additional cards** — Null
- **Unlimited transactions**
- **Overdraft available**
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Garmin Pay
- **Digital wallet** — Samsung Pay
- **Digital banking**
- **PayID**
- **Real-time payments (NPP)**
- **Bill payment (BPAY)** — Bpay
- **Notifications** — SMS alerts available for specified events/transactions, at regular intervals of one-off.
- **Round-ups (destination account)**
- **Lock, block and control your card**
- **Business Banking can be attached to the product**
## Eligibility
- **Minimum age** — 18 years
- **Residency status** — Australian citizen or permanent resident
## Constraints
- **Minimum limit** — $1,000.00
- **Maximum limit** — $20,000.00
## More information from Credit Union SA
- [Overview](https://www.creditunionsa.com.au/cards/visa-credit-card/)
- [Terms & conditions](https://www.creditunionsa.com.au/globalassets/pdfs/brc_1025.pdf)
- [Eligibility](https://www.creditunionsa.com.au/cards/visa-credit-card/)
- [Fees & pricing](https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/)
## Data provenance
- Published by Credit Union SA under the Consumer Data Right
- Product ID: `CREDITUNIONSA_OD_500`
- Last updated by the provider: 28 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/credit-union-sa/CREDITUNIONSA_OD_500
- Provider page: https://www.cdrcompare.au/brands/credit-union-sa
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000131
---
Source: [CDR Compare](https://www.cdrcompare.au/brands/credit-union-sa/products/CREDITUNIONSA_OD_500) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.
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