Visa Credit Card card image

Credit Union SA Visa Credit Card

Advertiser disclosure
Purchase rate
10.49% p.a.
Balance transfer rate
0% p.a. for 6 months and then 10.49% p.a.
Annual fees
Interest free days on purchases

Mozo editorial review Credit Union SA Visa Credit Card

Last updated: 17 October 2018.

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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. 

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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 is it 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.

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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.


Rates and fees information correct as at 17 June 2021 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.
  • 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

Payment options

Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay

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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