Taking a 2020 Mozo Experts Choice Award for best No Annual Fee Credit Card is the UniBank Credit Card. With its super low 7.90% purchase rate for the first 6 months, low 11.50% cash advance rate and no annual fee, this could be a great card for someone who prefers convenience over prestige.
If you’re a frugal spender after a low rate card, the UniBank Credit Card could be the card you’ve been searching for. Although you’ll only have the 7.90% purchase rate for the first 6 months, the rate will then jump to a very reasonable 11.50% purchase rate once this period expires. And while you’ll have access to a low 11.50% cash advance rate, it’s still a good idea to refrain from ATMs with this card because of the $4.50 cash advance fee. There’s no annual fee, and you’ll also receive up to 55 interest free days.
You might be happy to know that if you are looking to use the card to clear debt, the UniBank Credit Card offers a 7.90% balance transfer rate for the first 6 months before it reverts to 11.50%.
If you’d like to have an extra card issued for a family member, you won’t pay a thing and only need to make sure they’re over 18. Plus if you’re an Android user, you can use your UniBank Credit Card to access Google Pay. Online shoppers also need to remember the 2.90% foreign exchange margin.
The UniBank Credit Card is a great choice for the mindful spender, looking for convenience and simplicity in their plastic.
If you love to online shop on a regular basis or prefer to always use cash, you need to be aware of the 2.90% foreign exchange fee and $4 cash advance fee that can take a large stab at your bank account.
11.50% p.a.
7.90% p.a. for 6 months
7.90% p.a. for 6 months and then 11.50% p.a.
no
11.50% p.a.
55
$0.00
none
none
none
$10.00
4.5
2.90%
$7.00
$25.00
$0.00
none
3.0
yes
none
Apple Pay, Google Pay, Samsung Pay
It's a good credit card.
Read full reviewIt's a good credit card.
UniBank is an independent, state based, customer owned credit society based on the principles of mutuality. Since its beginnings in 1964, UniBank has grown into a niche market provider of financial products and services in Western Australia. UniBank offers a full range of banking products and services, including savings, investment and loan accounts, as well as insurance, travel, international currency and financial planning services.
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$45
Bankwest
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0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
10.99% p.a.
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Virgin Money
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Citi
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21.49% p.a.
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Citi Rewards Program
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11.99% p.a.
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13.99% p.a.
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$55 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
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CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
ANZ
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12.49% p.a.
0% p.a. for 20 months and then 20.24% p.a.
$58 $0 in the first year
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
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13.99% p.a.
0% p.a. for 24 months and then 21.49% p.a.
$55 $0 in the first year
Citi
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$0
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No current offer
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Vertigo Platinum
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0% p.a. for 12 months and then 20.99% p.a.
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