Credit Union SA Education Community Credit Card

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

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

$0

n/a

Credit Union SA Education Community Credit Card

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

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

$0

n/a

Mozo Review   Credit Union SA Education Community Credit Card Review

Last updated: 18 October 2018.

What's hot:
  • Multiple Mozo 2018 Experts Choice winner

  • 0% purchase rate for 6 months (then 9.99%)

  • No annual fee

What's not:
  • Only available to SA Education Community Members

Mozo snapshot:

A sweet addition to the Education Community Banking Benefits program is the Credit Union SA Education Community Credit Card, which has this year received three Experts Choice Awards for Low Rate Credit Card, Balance Transfer Credit Card and No Annual Fee Credit Card. It’s hard not to see why with its low ongoing 9.99% purchase and cash advance rate and of course, no annual fee. You’ll also be able to clear debt with ease, thanks to the 0% balance transfer rate for the first 6 months.

Key features:

With one of the lowest ongoing rates in Australia, the Credit Union SA Education Community Credit Card was made for even the tightest budget. You’ll be offered a 9.99% purchase and cash advance rate, plus no cash advance fee! As an added bonus, the introductory purchase rate offer means you can spend interest free for the first 6 months.

There’s also up to 55 interest free days and a small $10 late payment fee. And if you’re a bit wary about making an ATM withdrawal overseas, don’t worry, there’s no domestic or overseas ATM withdrawal fee either.

If you are thinking of using the Education Community Credit Card to wipe away debt, you’re in luck, as there is a 0% balance transfer fee for the first 6 months, before this reverts to a low rate of 9.99% for any debt leftover.

However, access to this card is limited as you will need to be a member of the SA Education Community, or a partner of a member. But once you get it, you will be able to use this card through Google Pay, Apple Pay, Samsung Pay and Visa payWave. There’s also a 3.00% foreign exchange fee to watch out for, but this is a standard percentage amongst credit cards.


Who it's good for:

The SA Education Community Credit Card is a great choice for South Australians who are members of the Education Community, looking for a low rate card for budget friendly, everyday spending.

Any catches?

This low rate card is limited in terms of its accessibility as it is only available for SA Education Community Members. And if you like to shop online and internationally, this will incur a 3.00% foreign exchange margin. While this a standard percentage amongst credit cards, you will need to factor these fees into your budget if you consider yourself a frugal spender.

Details

Rates and fees information correct as at 25 April 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 9.99% p.a.

  • 0% p.a. for 6 months

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

  • yes

  • 9.99% p.a.

  • 55

Fees
  • $0.00

  • none

  • none

  • none

  • $10.00

  • $0

  • 3.00%

  • $0.00

  • $0.00

  • $0.00

Features
  • $10.00

  • 2.0

  • yes

  • Available to members of the South Australian education community and their partners.

Payment options

Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay

Other benefits

0% p.a. cash advance rate for the first 6 months on new accounts.

Customer Reviews

How are Credit Union SA credit cards rated by the Mozo community?

Overall customer rating
8.2/10
Price
7.7/10
Features
6.8/10
Customer service
8.6/10
Convenience
7.9/10
Trust
8.5/10
Credit Union SA

About Credit Union SA

Credit Union SA is a credit union providing its financial services to the South Australian region. Credit Union SA offers a wide range of financial products and services in credit cards, savings accounts, personal loans, home loans and car insurance. Credit Union SA pride themselves on providing excellent customer service and friendliness through all their financial products.

See Credit Union SA credit cards

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 9 months and then 21.99% p.a.

0% p.a. for 9 months then 19.99% p.a.

$49

Promoted

ME

ME

frank Credit Card

No current offer

11.99% p.a.

$0

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

19.99% p.a.

$49 $0 in the first year

Promoted

American Express

American Express

Qantas Ultimate Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$450

Promoted

28 Degrees

28 Degrees

Platinum Mastercard

No current offer

21.99% p.a.

$0

Promoted

Citi

Citi

Platinum (Purchase Rate Offer)

0% p.a. for 13 months and then 21.74% p.a. (1.00% balance transfer fee)

0% p.a. for 13 months then 20.99% p.a.

$149 $49 in the first year

Promoted

ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 21.74% p.a.

12.49% p.a.

$58

Promoted

HSBC

HSBC

Platinum Credit Card

0% p.a. for 22 months and then 21.99% p.a.

19.99% p.a.

$129 Refunded when you spend over $6,000 p.a

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

$49

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

1 point per dollar on Visa, uncapped

19.99% p.a.

$49 $0 in the first year

Promoted

American Express

American Express

Qantas Ultimate Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$450

Promoted

Citi

Citi

Platinum (Purchase Rate Offer)

1 point per dollar on Visa, up to $10,000 per month

20.99% p.a.

$149 $49 in the first year

Promoted

ANZ

ANZ

Frequent Flyer Black

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

19.99% p.a.

$425

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

Promoted

Citi

Citi

Platinum (Balance Transfer Offer)

1 point per dollar on Visa, up to $10,000 per month

20.99% p.a.

$199 $0 in the first year

Promoted

American Express

American Express

Explorer Credit Card

2 points per dollar on Amex, uncapped

20.74% p.a.

$395

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

$49 $0 in the first year

19.99% p.a.

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 9 months and then 21.99% p.a.

$49

0% p.a. for 9 months then 19.99% p.a.

Promoted

American Express

American Express

Qantas Ultimate Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$450

20.74% p.a.

Promoted

HSBC

HSBC

Platinum Credit Card

0% p.a. for 22 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a

19.99% p.a.

Promoted

ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 21.74% p.a.

$58

12.49% p.a.

Promoted

Citi

Citi

Platinum (Balance Transfer Offer)

0% p.a. for 26 months and then 21.74% p.a. (1.50% balance transfer fee)

$199 $0 in the first year

20.99% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

0% p.a. for 14 months then 20.74% p.a.

Promoted

NAB

NAB

Qantas Rewards Signature Card

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

19.99% p.a.

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 9 months then 19.99% p.a.

$49

0% p.a. for 9 months and then 21.99% p.a.

Promoted

ME

ME

frank Credit Card

11.99% p.a.

$0

No current offer

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 21.74% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

0% p.a. for 6 months and then 20.99% p.a.

Promoted

Latitude

Latitude

Low Rate Mastercard

11.99% p.a.

$69

No current offer

Promoted

Citi

Citi

Clear Platinum

12.99% p.a.

$99 $0 in the first year

0% p.a. for 14 months and then 21.74% p.a.

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

$59

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 15 months then 13.99% p.a.

$100

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)