Credit Card
Use your credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.
- Purchase rate
- 11.5%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Introductory · 6 months Introductory interest rate applies to balance transfer and purchase transactions for the first 6 months from the date of the Letter of Offer. | 7.9% | — | — |
| Balance transfer Introductory interest rate applies to balance transfer and purchase transactions for the first 6 months from the date of the Letter of Offer | 7.9% | — | — |
| Purchase Purchase interest rate applies to the amount of any transaction with a merchant made on a credit card account. | 11.5% | — | — |
| Cash advance Cash advance interest rate applies to the amount of cash or its equivalent that is withdrawn or transacted from a credit card account. | 11.5% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| LATE_PAYMENT_FEE Payable by debit to your account when the minimum payment on a Credit Card account is not received by the due date. Charged once per statement period. | Late payment | $10.00 |
| CARD_REPLACEMENT_FEE Payable when you request a replacement card. | Event | $10.00 |
| ATM_WITHDRAWALS_OVERSEAS | Transaction | $4.50 |
| INTERNATIONAL_CONVERSION_FEE 2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.) | Transaction | 2.9% of transaction |
| CASH_ADVANCES_FEE Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost). | Cash advance | $4.00 |
| DEFAULT_NOTICE_FEE Payable when we send you a default notice asking you to remedy a default under your credit contract. |
Features
- Special Introductory Rate for first 6 months.
- Interest-free period — 55 days
- You may receive up to 55 days interest free period for purchases provided you continue to pay your closing balance in full on or before every statement due date.
- Balance transfers
- No application fee
- No annual fee
- Card access — Visa Credit with payWave
- Additional cards
- Digital wallet — Apple Pay
Eligibility
- You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.
- Residency status — Individuals must be citizens or permanent residents of Australia.
- All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or from any of our offices.
- Minimum age — 18 years
Constraints
- Minimum limit — $1,000.00
- Maximum limit — $25,000.00
More Information
Published by UniBank under the Consumer Data Right · Last updated 10 July 2026 · Product ID 43087eca-5a54-4c91-81c3-9849af36008d · View on CDR.gov.au