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.
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.
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.
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.
10.49% p.a.
none
0% p.a. for 6 months and then 10.49% p.a.
yes
10.49% p.a.
55
$39.00
none
none
none
$10.00
$0
3.00%
$0.00
$0.00
$0.00
$10.00
2.0
yes
none
Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay
This bank has low rates and no annual fee on credit card.
Read full reviewThis bank has low rates and no annual fee on credit card.
Their credit card is decent.
Read full reviewTheir credit card is decent.
I HAVE BEEN WITH THEM FOR MANY YEARS AND THERE ARE NO DISLIKES BUT LIKES.
Read full reviewI HAVE BEEN WITH THEM FOR MANY YEARS AND THERE ARE NO DISLIKES BUT LIKES.
As far as banks go these r the best
Read full reviewAs far as banks go these r the best
Very helpful in all banking aspects
Read full reviewVery helpful in all banking aspects
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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110,000
1 point up to $5,000/month, then
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American Express
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$0
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0.75 points uncapped
NAB
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0.66 points up to $3,000/month, then
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0.75 points uncapped
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0.75 points up to $2,500/month, then
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Low Rate Credit Card
0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
11.99% p.a.
$45
Bankwest
Breeze Mastercard
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
10.99% p.a.
$49 $0 in the first year
Westpac
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0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
Citi
Rewards Credit Card
0% p.a. for 30 months and then 22.24% p.a.
21.49% p.a.
$149 $49 in the first year
Citi Rewards Program
NAB
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0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59
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11.99% p.a.
0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
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3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
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NAB
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0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Westpac
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13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
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3.99% p.a. for 6 months then 8.99% p.a.
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NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
BankSA
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
