---
title: "Low Rate Visa Credit Card — Unity Bank"
description: "Credit & Charge Cards from Unity Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/unity-bank/products/S80_LOW_RATE_CREDIT_CARD
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-01T11:29:43.000+10:00
---

# Low Rate Visa Credit Card — Unity Bank

> Credit & Charge Cards from Unity Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards · UNITY BANK**

Our award-winning Low Rate Visa Credit Card features one of the lowest ongoing purchase rates in the market. And with up to 50 days interest free and a low annual fee, it all adds up to great value.

## At a glance

- **Purchase rate:** 7.49%
- **Annual fee:** $50.00

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Balance transfer (Calculated daily, charged monthly.) | 0% | — | — |
| Purchase (Calculated daily, charged monthly.) | 7.49% | — | — |
| Cash advance (Calculated daily, charged monthly.) | 15.49% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| EMERGENCY_CASH/CARD_VISA_CREDIT — Third party fee charged when you need an emergency replacement card delivered to you (fee is charged at cost) | Cash advance | $0.00 |
| ANNUAL_CREDIT_CARD_FEE_-_LOW_RATE — Charged yearly · An annual fee charged for Low Rate Visa Credit Card product | Ongoing | $50.00 |
| CREDIT_CARD_STATEMENT_FEE_-_GCMB — Charged monthly · A fee charged to cover the cost of producing and sending paper statements | Ongoing | $2.00 |
| LATE_PAYMENT_FEE — A fee charged when you don't make your minimum monthly payment, plus any overdue amount | Event | $15.00 |
| EFTPOS_DECLINE_FEE — A fee charged if you don't have enough money in your account for an EFTPOS transaction | Transaction | $1.00 |
| ATM_INSUFFICIENT_FUNDS — A fee charged if you don't have enough money in your account for an ATM withdrawal | Transaction | $1.00 |
| OUTWARD_RTGS_PAYMENT_FEE — A Processing fee charged when you require funds to be sent straight away | Withdrawal | $30.00 |
| INWARD_RTGS_AND_SWIFT_PAYMENT_FEE — A processing fee charged when you receive funds through this channel | Deposit | $10.00 |
| _FOREIGN_CURRENCY_CONVERSION_FEE — Foreign currency conversion fee charged on transaction value in AUD (overseas transactions) | Transaction | 3% of transaction (D) |
| QUICKDEBIT_DISHONOUR_FEE — A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you | Transaction | $20.00 |
| VISA_CASH_ADVANCE_FEE — A fee charged for cash advances and overseas transactions will attract an additional currency conversion fee | Transaction | $4.00 |

## Features

- **Card access** (Our Visa Credit Card offers quick, secure and convenient access to your money in person, online, overseas and over the phone. Enjoy the convenience of paying directly from your account, with all of the security you'd expect from Visa.)
- **Additional cards** (No fees for additional cardholders)
- **Unlimited transactions** (Unlimited electronic transactions available on your account)
- **Free transactions** — 9999999999 (Unlimited free electronic transactions available on your account)
- **Interest-free period** — 50 days
- **PayID** (Get faster payments between participating banks, anytime with a Pay ID)
- **Real-time payments (NPP)**
- **Securely lock your debit card in the Mobile App while you look for it and unlock it again when you find it**
- **Cards made from 82% recycled PVC**
- **Find the digital version of your card via the Mobile App before your physical card arrives in the mail.**
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Digital banking** (With PayTo, you can see, review and authorise all new PayTo payments for transactions such as recurring bills, memberships and subscriptions before the money leaves your account.)
- **Fraud protection** (A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe.)
- **Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets.**
- **Minimum monthly repayment is the greater of 3% of the amount of the closing balance, or $20**

## Eligibility

- **Minimum age** — 18 years
- **Residency status** — PERMANENT RESIDENT (You must be an Australian resident)
- **Individuals only**

## Constraints

- **Opening balance** — $1,000.00
- **Maximum limit** — $75,000.00
- **Minimum limit** — $1,000.00

## More information from Unity Bank

- [Terms & conditions](https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/)
- [Eligibility](https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/)
- [Fees & pricing](https://www.unity.bank/help/rates-fees/)

## Data provenance

- Published by Unity Bank under the Consumer Data Right
- Product ID: `S80_LOW_RATE_CREDIT_CARD`
- Last updated by the provider: 1 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/unity-bank/S80_LOW_RATE_CREDIT_CARD
- Provider page: https://www.cdrcompare.au/brands/unity-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000182

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/unity-bank/products/S80_LOW_RATE_CREDIT_CARD) — 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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