SCU Low Rate Visa Credit Card

10.49% p.a.

No current offer

$30

SCU Low Rate Visa Credit Card Review

Rates and fees information correct as at 22 June 2018.

Review published: 25 October 2017

What's hot:

  • Multiple Mozo Experts Choice winner

  • Low 10.49% purchase rate

  • No balance transfer fees

What's not:

  • $4 cash advance fee

Mozo snapshot:

Winning a 2017 Mozo Experts Choice Award for Low Rate Credit Card and a 2018 Award for best Low Rate Travel Credit Card is the SCU Low Rate Visa Credit Card with its 10.49% purchase rate and 10.49% cash advance rate to match. Accepted at 24 million locations worldwide, this is a piece of plastic you may want to have on your side - wherever you are in the world.

Key features:

The SCU Low Rate Visa Credit Card is a fantastic option for the budget conscious spender, thanks to its 10.49% purchase and cash advance rate. The $30 annual fee is very affordable,  but the $25 late payment fee is important to keep in mind along with the $4 cash advance fee. 

If it’s built up debt that has you interested in the SCU Low Rate Visa Credit Card, the good news is there is no balance transfer fee. But keep in mind that transferred balances will attract interest at the regular 10.49% interest rate. 

With the SCU Low Rate Visa Credit Card, you’ll have up to 55 interest free days and be able to pay at 24 million locations worldwide, while being able to make payments through payWave. As a cardholder, you’ll also have access to Visa Entertainment and a minimum credit limit of $1,000.

Who it's good for:

The SCU Low Rate Visa Credit Card is a good choice for anyone who isn’t really interested in rewards or perks and is after a convenient, low rate card.

Any catches?

If you are looking to use the SCU Low Rate Visa Credit Card to clear any built up debt, unlike other credit cards, there is no interest free period on balance transfers. Instead, you will have a starting and ongoing rate of 10.49%, which you’ll need to factor into your budget.

How are SCU credit cards rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
7.8

Based on 5
SCU credit cards reviews

7.2 7.2 8.4 7.8 8.4

Read SCU credit card reviews by the Mozo community

Latest reviews of SCU Low Rate Visa Credit Card

SCU

SCU Low Rate Visa Credit Card credit card review

Overall rating   9 / 10

Great bank

I love SCU because the process is simple, easy, lovely staff and I have a low rate and low annual fee.

Full review

I love SCU because the process is simple, easy, lovely staff and I have a low rate and low annual fee.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   9 / 10

Less

Tj (NSW), reviewed over 2 years ago

SCU

SCU Low Rate Visa Credit Card credit card review

Overall rating   10 / 10

Very good and helpful

I love the Sutherland Credit Union as they are helpful when you are at the counter with tellers. They are great when you ring up to get help or if you have a problem or are not sure on how to do something. We have been with this credit union for...

Full review

I love the Sutherland Credit Union as they are helpful when you are at the counter with tellers. They are great when you ring up to get help or if you have a problem or are not sure on how to do something. We have been with this credit union for around 40 years and have always been very pleased to deal with them.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Kerrie (NSW), reviewed over 4 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Rates

  • 10.49% p.a.

  • none

  • No current offer

  • none

  • 10.49% p.a.

  • 55

Fees

  • $30.00

  • none

  • none

  • none

  • $25.00

  • $4.00

  • 2.00%

  • $6.00

  • $30.00

  • $0.00

Other financial bits

  • $20.00

  • 2.5

Features

  • yes

  • none

  • none

About SCU

SCU previously known as Sydney Credit Union creates a longer lasting relationship when it comes to banking. SCU offers great rates for customers, with accounts that have low or no fees attached. Products that SCU offer savings accounts, term deposits, debit cards, personal, car and home loans, credit cards, business finance and overdrafts facilities. SCU are generous when it comes to dealing with your money.

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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