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Illawarra Credit Union Low Rate Credit Card

Purchase rate
8.99% p.a.
Balance transfer rate
No current offer
Annual fees
$50 $0 in the first year
Interest free days on purchases
45

Mozo editorial review Illawarra Credit Union Low Rate Credit Card

Last updated: 10 June 2020.

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What's hot
  • 8.99% purchase rate (15.88% cash advance rate)
  • Annual fee waived in first year
  • Up to 45 interest-free days
What's not
  • $50 annual fee (after the first year)
Mozo snapshot

On the hunt for a low rate credit card option? Say hello to the Illawarra Credit Union Low Rate Credit Card. This card not only comes with a low 8.99% purchase rate, but also offers up to 45 days interest free. While the card comes with a $50 annual fee, Illawarra Credit Union will waive it in the first year, so you won’t have to pay a cent in annual fees for 12 months!

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Key features

No matter whether you’re after a credit limit of $500 or $25,000, the Low Rate Credit Card from Illawarra Credit Union is an attractive option for a range of credit card customers. 

The card comes with a low 8.99% purchase rate, up to 45 interest free days and no fee if you opt to have a secondary cardholder. But that’s not all, Illawarra Credit Union will also waive the $50 annual fee in the first year. 

Just bear in mind that if you take cash out of an ATM with this credit card, you’ll be slapped with a higher 15.88% cash advance rate and a $2 cash advance fee. 

And while we are on the topic of fees, also remember there is a 3.00% overseas transaction fee, $20 late payment fee and a $50 annual fee (from the second year of holding the card and onwards).

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Who is it good for

The Illawarra Credit Union Low Rate Credit Card could be a good option for anyone looking at keeping their interest repayments to a minimum with a low interest rate. Plus, for those that love the digital way to pay, Apple Pay, Google Pay and Samsung Pay are available.

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Any catches

To be eligible for this credit card you must be over 18 years old, an Australian citizen or permanent resident and meet the credit lending guidelines set out by Illawarra Credit Union.

Details

Rates and fees information correct as at 1 October 2020 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
  • 8.99% p.a.

  • none

  • No current offer

  • none

  • 15.88% p.a.

  • 45

Fees
  • $50.00

  • $0 in the first 1 year

  • none

  • none

  • $20.00

  • $2.00

  • 3.00%

  • none

  • none

  • none

Features
  • $20.00

  • 3.0

  • none

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

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

Overall
8.3/10
Price
8.0/10
Features
7.7/10
Customer service
8.7/10
Convenience
7.1/10
Trust
8.9/10
Illawarra Credit Union

About Illawarra Credit Union

Illawarra Credit Union is a community credit union, that uses its profits to improve products and services offered to its customers, in the Illawarra region. Illawarra offers its customers with competitive products and services in home and personal loans, credit cards, car loans, savings accounts, term deposits and debit cards. Illawarra provides financial solutions complimented with customer service.

See Illawarra Credit Union credit cards

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13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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Bankwest

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Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

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American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

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Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49

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NAB

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

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ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 22 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first 0 years

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Citi

Citi

Rewards Credit Card

21.49% p.a.

0% p.a. for 30 months and then 22.24% p.a. (1.50% balance transfer fee)

$199 $0 in the first year

Citi Rewards Program

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Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$69

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American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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NAB

NAB

Rewards Platinum Card

NAB Rewards

$195

60,000

1 point uncapped

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Westpac

Westpac

Altitude Platinum

Qantas Frequent Flyer

$200 $99 in the first year

60,000

0.5 points uncapped

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NAB

NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

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Westpac

Westpac

Altitude Black

Altitude Rewards

$250

150,000

1.25 points uncapped

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American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

55,000

1.25 points uncapped

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Bankwest

Bankwest

More Platinum Mastercard

Bankwest More Rewards

$160

75,000

2 points up to 400,000 points/year

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David Jones

David Jones

American Express Card

Membership Rewards

$99

15,000

1 point uncapped

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Bankwest

Bankwest

Zero Platinum Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

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Westpac

Westpac

Low Rate

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

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Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months and then 22.24% p.a.

0.90% p.a. for 15 months then 14.99% p.a.

$99

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NAB

NAB

Low Rate Card

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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Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

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NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

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Bankwest

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Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49

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NAB

NAB

StraightUp Card

0% p.a.

No current offer

$240 $20/month - waived if no spend & no balance owing

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ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 22 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first 0 years

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Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49

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Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$69

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Citi

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Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

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NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

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NAB

StraightUp Card

0% p.a.

No current offer

$240 $20/month - waived if no spend & no balance owing

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ANZ

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Platinum

0% p.a. for 17 months then 20.24% p.a.

No current offer

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