Education Community Credit Card
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.
- Purchase rate
- 11.49%
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 | Ongoing | $0.00 |
| Transaction | Transaction | $0.00 |
| Arrears | Event | $15.00 |
| Currency Conversion | Event | 3% of transaction |
| 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
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
Published by Credit Union SA under the Consumer Data Right · Last updated 28 June 2026 · Product ID CREDITUNIONSA_OD_550 · View on CDR.gov.au