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: 21 February 2018.

What's hot:
  • Mozo 2017 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 two Experts Choice Awards for Low Rate 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 17 October 2018.

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

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
8.3/10
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.

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