---
title: "Education Community 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_550
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-29T00:00:00.000+10:00
---

# Education Community 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 Education Community Credit Card includes no annual fee, a 0% pa introductory rate for the first six months on purchases, balance transfers and cash advances as well as a low ongoing interest rate after the first 6 months.  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. This is exclusive to current or retired employees of the South Australian education community, students carrying out studies in education, and their eligible immediate family members.

## At a glance

- **Purchase rate:** 11.49%

## 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 |
| --- | --- | --- | --- |
| Introductory · 6 months | 0% | 0% | — |
| Purchase | 11.49% | 0% | — |
| Cash advance | 11.49% | 0% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Education Community Credit Card Periodic — Annual fee is waived for any employee of the education community and students carrying out studies in education. | Ongoing | $0.00 |
| 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 |

## Features

- **Card access** — Education Community 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
- **Knowledge Counts Banking Benefits members and students carrying out studies in education and eligible family members (these are parents, children, grandparents, grandchildren, siblings and partners only), as part of the Knowledge Counts Banking Benefits offered by Credit Union SA.**
- **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/education-community-credit-card/)
- [Terms & conditions](https://www.creditunionsa.com.au/globalassets/pdfs/brc_1025.pdf)
- [Eligibility](https://www.creditunionsa.com.au/cards/education-community-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_550`
- Last updated by the provider: 28 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/credit-union-sa/CREDITUNIONSA_OD_550
- 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_550) — 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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