UniBank credit cards


Founded in 1964, UniCredit has been offering financial services to people working and studying in tertiary and post-secondary education, including their families as well as the broader education sector in general. After its merger with Teachers Mutual Bank effective from 1 August 2015, Unicredit became UniBank and continues to offer its members banking products including  credit cards.

In 2019, Unibank even took out a Mozo Experts Choice Award for best Low Rate Travel Credit Card.

Rates and fees verified as correct at 26 May, 2019. Other information correct at the time of writing.

What credit cards do UniBank offer?

Check out the kind of credit cards you can get with UniBank:

Low rate credit cards Low rate credit cards

A low rate credit card with UniBank is a great way to help you manage your purchases, particularly if you can’t always pay off the total balance every month. 

Product Purchase rate Balance transfer rate Annual fees Interest free days

7.90% p.a. for 6 months then 11.50% p.a.

7.90% p.a. for 6 months and then 11.50% p.a.




Low fee credit cards Low fee credit cards

Looking for a low fee credit card? Then check out the Unibank card, which comes with no annual fee plus up to 55 days interest-free on your purchases.

Product Purchase rate Balance transfer rate Annual fees Interest free days

7.90% p.a. for 6 months then 11.50% p.a.

7.90% p.a. for 6 months and then 11.50% p.a.




**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.

UniBank credit card features in a glance

Online bankingOnline banking

Signing up for Internet banking services with a UniBank credit card is quite an easy process. To register for an online account, you can simply go on their website, fill up a quick form and then submit it via email, fax or in person. Once the registration is complete, you can pay your bills  and view your statements on the go.   

Interest free daysInterest free days

A UniBank credit card comes with up to 55 interest free days on purchases. However, don’t forget that you can avoid paying interest on the purchases balance by paying the full closing balance shown on every account statement by the due date.

Tap and go Tap and go

You can make tap and go payments with your UniBank credit card. That means you don’t have to swipe, sign or enter your PIN for transactions under $100. You can simply hold your credit card over the reader for a contactless transaction.

International paymentsInternational payments

You can use your UniBank credit card to make international transactions online or while you’re travelling outside Australia. UniBank cards are accepted in more than 200 countries and territories across the world. But do remember, you may need to pay certain additional charges such as an international transaction fee.

Card securityCard security

Your UniBank credit card is protected by technology designed to track and detect any possible fraudulent transactions. In case any unusual activity is detected under your account, UniBank will contact you to verify whether you’re aware of it. Others systems to keep your card secure include, a one-time password for making online transactions, encryption to protect your card’s data and access code lock-out in case of too many unsuccessful login attempts.  

Additional cardholderAdditional cardholder

UniBank lets you authorise a friend or family member as an additional cardholder. The nominated person will be issued with a card of their own but you’ll still be your responsible to meet the repayment obligations.

What do you need to apply for a UniBank credit card? What do you need to apply for a UniBank credit card?

After going through all the different credit cards in the market, if you think that a UniBank Credit card suits you best, you can head over to their website directly to file and application.

To be eligible for a UniBank credit card, you’ll need to be:

  • at least 18 years of age
  • a permanent resident of Australia
  • a current or retired employee, graduate, post-graduate or current student of an Australian University or family member of members of the Bank.

More helpful credit card quick links