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.