Credit Union SA Visa Credit Card

10.49% p.a.

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

$39

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Credit Union SA Visa Credit Card Review

Rates and fees information correct as at 24 April 2018.

Review published: 13 May 2014

What's hot:

  • 2017 Mozo Experts Choice Award

  • 0% p.a on balance transfers for 6 months

  • Low $39 annual fee

  • 10.49% purchase rate

What's not:

  • $10 late payment fee but even this is low compared to other banks

Mozo snapshot:

The Credit Union SA Visa Credit Card has everything you could want in a great low rate credit card: a low 10.49% ongoing purchase rate, $39 annual fee and even a relatively cost-friendly 3% foreign exchange margin if you take your card overseas or do a spot of online shopping. In case that's not good enough, the card has just been awarded a 2017 Mozo Experts Choice Award in the Best Low Rate Credit Card category. 

Key features:

The Credit Union SA credit card is a great credit card to have in your wallet. You'll get 0% p.a on balances transferred for the first 6 months, after which you'll pay 10.49% which is still one of the cheapest interest rates around. If you pay off your balance in full each month you'll get up to 55 interest free days. Even the cash advance rate is a low 10.49% but its best to steer clear of cash advances as there are no interest free days so you'll start paying interest immediately. 

What's more, unlike some credit cards that are expensive to keep in your wallet, the Credit Union SA Visa Card has a low annual fee of just $39.

The card comes with Visa payWave so you can just tap and go for purchases under $100. You can use the card in Australia and anywhere around the globe that accepts Visa. Any international purchases will have a 3% foreign exchange margin added but this is also on the low side for a credit card.

Automate your payments otherwise you could be hit with a $10 late payment fee.

Who it's good for:

The Credit Union SA Visa Credit Card would suit anyone who wants a no-frills card for their day to day spending. It is also a top card for someone who occasionally doesn't pay off their balance in full each month as the low interest rates will mean you will pay less in fees and interest than other cards on the market.  

You don't need to live in South Australia to get the Credit Union SA Visa Credit Card, you can apply online or via the phone if you can't get to a branch.

Any catches?

This isn't a card for high flyers as the maximum credit limit available on the card is $20,000. Likewise, if you are looking for a low credit limit, keep in mind that the minimum limit available on the Credit Union SA Visa Credit Card is $1,000.


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

Product Type Overall Rating Price Features Service Convenience Trust
8.1

Based on 8
Credit Union SA credit cards reviews

7.2 7.1 8.9 7.4 8.8

Read Credit Union SA credit card reviews by the Mozo community

Latest reviews of Credit Union SA Visa Credit Card

Credit Union SA

Credit Union SA Visa Credit Card credit card review

Overall rating   9 / 10

Great customer service

Very helpful in all banking aspects

Full review

Very helpful in all banking aspects

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Patricia (SA), reviewed about 2 years ago

Credit Union SA

Credit Union SA Visa Credit Card credit card review

Overall rating   10 / 10

Simply Great.

They are always ready to help.

Full review

They are always ready to help.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Anne (SA), reviewed over 2 years ago

Credit Union SA

Credit Union SA Visa Credit Card credit card review

Overall rating   10 / 10

Very competitive and outstanding service

I found this Bank all I could ask for. I have used a few other banks but I'm afraid they don't even compare to the Credit Union. They listened to me from the very start, really listened then told me what they could do for me and how they could...

Full review

I found this Bank all I could ask for. I have used a few other banks but I'm afraid they don't even compare to the Credit Union. They listened to me from the very start, really listened then told me what they could do for me and how they could help me. I cannot speak highly enough about them. I would not use another bank. Their staff are always very helpful and friendly and always have a smile for their customers.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Kaylene (SA), reviewed over 3 years ago

Credit Union SA

Credit Union SA Visa Credit Card credit card review

Overall rating   9 / 10

Good customer service

A little lower than some other banks.

Full review

A little lower than some other banks.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Jennifer (SA), reviewed about 5 years ago

Credit Union SA

Credit Union SA Visa Credit Card credit card review

Overall rating   9 / 10

Sold it for me - good rates and service

The annual fee is $10, the interest rates are the lowest in the market without the annoying add ons. I've used the card throughout Europe no matter if Malaysia or Bosnia, and have never met any problems both for cash advance and purchases. The...

Full review

The annual fee is $10, the interest rates are the lowest in the market without the annoying add ons. I've used the card throughout Europe no matter if Malaysia or Bosnia, and have never met any problems both for cash advance and purchases. The online service is extensive, secure and user friendly. The customer phone service is one to one, courteous and human and the over the counter is people-focused rather than queue fed clients. The lack of fly buys or other such schemes is countered by the everyday practicalities of low overheads and efficient service.

    Price   10 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Earle (SA), reviewed over 5 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Rates

  • 10.49% p.a.

  • none

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

  • yes

  • 10.49% p.a.

  • 55

Fees

  • $39.00

  • none

  • none

  • none

  • $10.00

  • $0

  • 3.00%

  • $0.00

  • $0.00

  • $0.00

Other financial bits

  • $10.00

  • 2.0

Features

  • yes

  • none

  • none

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.

**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.

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