8.3 / 10

based on 254 reviews as rated by Mozo community

Credit Union SA credit cards

An award winning credit card at a very low price? Yes please. One of the credit cards on offer from Credit Union SA won two Mozo Experts Choice Awards in 2020 for best low rate and best no annual fee credit card. Check out the specs and other options below.

What credit cards do Credit Union SA offer?

Rates and fees verified as correct at 04 December, 2020. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

For a no-frills credit card that’s great value for money and lets you spend in the ways you want to, check out the great low rate option from Credit Union SA. If you’re someone who tends to carry a balance or let your credit card bills run away from you, a low impact card like this could be just the thing you need to keep your spending under control.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

55

10.49% p.a.

0% p.a. for 6 months and then 10.49% p.a.

$39

55

Low fee credit cards

If you're someone who pays their full credit card balance off every month without fail, then Credit Union SA's card is still a great option - the low annual fee means you never pay more for your card than you have to.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

55

10.49% p.a.

0% p.a. for 6 months and then 10.49% p.a.

$39

55

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Credit Union SA credit cards

What is the interest free period on my Credit Union SA credit card?

As long as you pay off your credit card balance each month, you’ll get up to 55 interest free days. During this time, you won’t be charged interest on purchases, so it’s super easy to keep credit card costs low. Just remember that interest free days begin when your statement cycle does, not when you make a purchase.

What fees might I be charged?

Your Credit Union SA credit card will attract an annual fee, unless you also have a home loan with Credit Union SA, in which case this fee is waived. You won’t have to pay ATM fees as long as you use an ATM within the rediATM network - not even on cash advances. But keep in mind that interest free days don’t apply to cash, so you will pay interest straight away. There’s also a 3% foreign exchange market that will apply if you’re making purchases overseas, or online shopping in a foreign currency.

What’s the minimum repayment amount I must make?

While the minimum payment you must make on your Credit Union SA credit card is the greater of either $10 or 2% of your total balance, remember that this is just the bare minimum of what you should pay. It’s always a good idea to pay off your whole balance - because not only does that mean you’ll keep your interest free days for the next month, but you’ll also save on late payment fees and interest. There is no maximum amount you can pay off your credit card each month, and it’s a good idea to pay the whole balance whenever you can.

Can I use my Credit Union SA credit card for a balance transfer?

Yes you can! If you’re trying to manage your credit card balance with a balance transfer deal, you can use your Credit Union SA card to do it. Keep in mind that with this card, you get a relatively short 0% interest term to pay off your existing balance, so make sure you have a payment plan set in place to blast that debt in the time you have.

If you don’t, any remaining balance will start to attract interest at the usual rate.

Can I use my Credit Union SA credit card while I’m travelling overseas?

International travellers can use their Credit Union SA credit card all around the world, wherever VISA is accepted.
Otherwise you can pick up a prepaid travel card before you go, and keep an eye on your holiday budget that way.

Does payWave work with my Credit Union SA credit card?

Because your Credit Union SA credit card works on the VISA network, you can use payWave to pay for small purchases under $100. You can make up to 10 payments per day using payWave, or up to a value of $1,000.

Avoiding credit card fraud

Credit card fraud poses a risk you should be aware of, but there’s no need to stress out too much. Your Credit Union SA credit card is protected by VISA’s zero liability policy, which means if someone is using your card without your permission, you won’t be charged. That is, as long as you haven’t contributed to the loss - for example, keeping your PIN number written down with your card counts as contributing, as you’ve made it easy for a thief to use your details - and as long as you alert Credit Union SA to the problem as soon as you notice it.

That’s why it’s a good idea to regularly monitor your credit card statements for any unusual activity.

How are Credit Union SA credit cards rated?

Mozo users have rated Credit Union SA credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Credit Union SA credit cards
Overall
8.4/10
Price
Features
Customer service
Convenience
Trust

33 Reviews

Recent Credit Union SA credit card reviews

Credit Union SA Visa Credit Card review
Overall 10/10
This bank picked up fraudulent activity and acted.

This bank has low rates and no annual fee on credit card.

Read full review

This bank has low rates and no annual fee on credit card.

Price
10/10
Features
6/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Lyn, South Australia reviewed 5 months ago
Credit Union SA Education Community Credit Card review
Overall 10/10
Convenient, good advice and great security.

This bank provides excellent service with low rates on loans.

Read full review

This bank provides excellent service with low rates on loans.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Lyn, South Australia reviewed 10 months ago
Credit Union SA Credit Card review
Overall 9/10
Good overall.

Great interest rate of 9.9%.

Read full review

Great interest rate of 9.9%.

Price
10/10
Features
7/10
Customer service
9/10
Convenience
8/10
Trust
10/10
Less
Steve, South Australia reviewed 10 months ago
Credit Union SA Credit Card review
Overall 9/10
I don’t perceive them as greedy like big banks.

I trust credit unions cause they also give back to community. Unfortunately there are not too many branches or ATMs.

Read full review

I trust credit unions cause they also give back to community. Unfortunately there are not too many branches or ATMs.

Price
9/10
Features
9/10
Customer service
10/10
Convenience
5/10
Trust
9/10
Less
Teresa, South Australia reviewed about 1 year ago
Credit Union SA Visa Credit Card review
Overall 6/10
Above average

Their credit card is decent.

Read full review

Their credit card is decent.

Less
Shane, South Australia reviewed about 2 years ago

What do you need to apply for a Credit Union SA credit card?

When you’re ready to apply for a Credit Union SA credit card, you can pop into a branch, call the contact centre, download and fill in an application form or, if you’re a Credit Union SA member, you can fill in an application online.

    When you apply or a credit card, you’ll have to be over 18, and you should have details about your employment, income, assets and debts on hand.

    For more information on how to apply for a credit card, check out our handy guide.

Credit card quick links