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: 17 October 2018.

What's hot:
  • 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. 

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 20 September 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
  • 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, Garmin Pay, Fitbit Pay

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

Latest reviews of Credit Union SA Visa Credit Card

  • Overall
    6/10
    Above average

    Their credit card is decent.

    Their credit card is decent.

    Price
    -1/10
    Features
    -1/10
    Customer service
    -1/10
    Convenience
    -1/10
    Trust
    -1/10

    Shane | South Australia

    reviewed 11 months ago

  • 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 2 years 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 2 years 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 3 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 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

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

19.99% p.a.

$49 $29 in the first year

Promoted

ANZ

ANZ

Frequent Flyer Black

No current offer

20.24% p.a.

$425

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

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

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

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

$129 $64 in the first year

Promoted

NAB

NAB

Qantas Rewards Signature Card

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

19.99% p.a.

$395 $295 in the first year

Promoted

ME

ME

frank Credit Card

No current offer

11.99% p.a.

$0

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

No current offer

11.55% p.a.

$0

Promoted

ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 20.24% p.a.

12.49% p.a.

$58

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 $29 in the first year

Promoted

CUA

CUA

Platinum Credit Card

1 point per dollar on Mastercard, up to 100000 points per year

19.99% p.a.

$149 $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

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

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

20.24% p.a.

$425

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

$299 $199 in the first year

Promoted

NAB

NAB

Qantas Rewards Card

0.5 points per dollar on Visa, up to $3,000 per month

19.99% p.a.

$95

Promoted

HSBC

HSBC

Platinum Credit Card (Special Offer)

1 point per dollar on Visa, up to 10000 points per month

19.99% p.a.

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

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

$49 $29 in the first year

19.99% p.a.

Promoted

ANZ

ANZ

Platinum

0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)

$87 $0 when you spend over $20,000 p.a, $0 in the first year

20.24% 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

HSBC

HSBC

Platinum Credit Card

0% p.a. for 12 months and then 21.99% p.a.

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

0% p.a. for 12 months then 19.99% p.a.

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

19.99% p.a.

Promoted

American Express

American Express

Velocity Escape Card

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

$0

20.74% p.a.

Promoted

CUA

CUA

Platinum Credit Card

0% p.a. for 13 months and then 21.74% p.a.

$149 $0 in the first year

19.99% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Ongoing Annual Fee Offer

0% p.a. for 18 months and then 20.99% p.a.

$50

20.74% 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

Heritage Bank

Heritage Bank

Gold Low Rate

11.55% p.a.

$0

No current offer

Promoted

Latitude

Latitude

Low Rate Mastercard

11.99% p.a.

$69

No current offer

Promoted

NAB

NAB

Low Fee Card

19.74% p.a.

$30

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

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 20.24% p.a.

Promoted

ME

ME

frank Credit Card

11.99% p.a.

$0

No current offer

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

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

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

$129 $64 in the first year

Promoted

HSBC

HSBC

Platinum Credit Card (Special Offer)

0% p.a. for 12 months then 19.99% p.a.

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

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

Promoted

HSBC

HSBC

Platinum Credit Card

0% p.a. for 12 months then 19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

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

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

9.90% p.a.

0% p.a. for 6 months and then 9.90% p.a. (2.00% balance transfer fee)

$99 $0 in the first year