Credit Union SA Visa Credit Card

10.49% p.a.

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

$39

n/a

Credit Union SA Visa Credit Card

10.49% p.a.

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

$39

n/a

Mozo Review   Credit Union SA Visa Credit Card Review

Last updated: 25 October 2017.

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.


Details

Rates and fees information correct as at 24 September 2018.

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

Features
  • $10.00

  • 2.0

  • yes

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

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

Latest reviews of Credit Union SA Visa Credit Card

  • Overall
    10/10
    Great customer service and easy to deal with

    I HAVE BEEN WITH THEM FOR MANY YEARS AND THERE ARE NO DISLIKES BUT LIKES.

    I HAVE BEEN WITH THEM FOR MANY YEARS AND THERE ARE NO DISLIKES BUT LIKES.

    Price
    10/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    John | Queensland

    reviewed over 1 year ago

  • Overall
    7/10
    The best of the best

    As far as banks go these r the best

    As far as banks go these r the best

    Price
    5/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Katy | South Australia

    reviewed over 1 year ago

  • Overall
    9/10
    Great customer service

    Very helpful in all banking aspects

    Very helpful in all banking aspects

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    9/10

    Patricia | South Australia

    reviewed over 2 years ago

  • Overall
    10/10
    Simply Great.

    They are always ready to help.

    They are always ready to help.

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10

    Anne | South Australia

    reviewed almost 3 years ago

  • Overall
    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...

    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

    Kaylene | South Australia

    reviewed almost 4 years ago

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