UniBank Credit Card

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.

$0

n/a

UniBank Credit Card

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.

$0

n/a

Mozo Review   UniBank Credit Card Review

Last updated: 21 October 2019.

What's hot:
  • Multiple 2019 Mozo Experts Choice Award winner

  • No annual fee

  • Low 7.90% purchase rate for the first 6 months

What's not:
  • $4 cash advance fee

  • 2.45% foreign exchange margin

Mozo snapshot:

Taking a 2019 Mozo Experts Choice Award for best Low Rate Travel Credit Card, as well as a 2019 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.

Key features:

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.

Who it's good for:

The UniBank Credit Card is a great choice for the mindful spender, looking for convenience and simplicity in their plastic.

Any catches?

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. 



Details

Rates and fees information correct as at 24 January 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
  • 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

Fees
  • $0.00

  • none

  • none

  • none

  • $10.00

  • 4.5

  • 2.90%

  • $7.00

  • $25.00

  • $0.00

Features
  • none

  • 3.0

  • yes

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

This product is not currently reviewed.

UniBank

About UniBank

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.

See UniBank credit cards

Promoted

American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$0

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

12.99% p.a.

$99 $49 in the first year

Promoted

American Express

American Express

Qantas Discovery Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$0

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

0% p.a. for 6 months then 13.99% p.a.

$59

Promoted

American Express

American Express

Qantas Ultimate Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$450

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 22 months and then 20.99% p.a.

20.74% p.a.

$129

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

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

17.99% p.a.

$0

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

Promoted

American Express

American Express

Qantas Discovery Card

0.75 points per dollar on Amex, uncapped

20.74% p.a.

$0

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

Promoted

American Express

American Express

Velocity Escape Card

0.75 points per dollar on Amex, uncapped

20.74% p.a.

$0

Promoted

NAB

NAB

Qantas Rewards Signature Card

1 point per dollar on Visa, up to $5,000 per month, then
0.5 points per dollar on Visa, up to $20,000 per month

19.99% p.a.

$395 $295 in the first year

Promoted

David Jones

David Jones

American Express Platinum Card

1 point per dollar on Amex, uncapped

20.74% p.a.

$295

Promoted

Heritage Bank

Heritage Bank

Platinum

0.002 points per dollar on Visa, uncapped

17.49% p.a.

$125 $0 when you spend over $35,000 p.a

Promoted

American Express

American Express

Velocity Platinum Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$375

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 22 months and then 20.99% p.a.

$129

20.74% p.a.

Promoted

American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

$99 $49 in the first year

12.99% p.a.

Promoted

American Express

American Express

Qantas Discovery Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

0% p.a. for 14 months then 20.74% p.a.

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

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

$0

17.99% p.a.

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

0% p.a. for 6 months then 13.99% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

0% p.a. for 6 months and then 20.99% p.a.

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

$59

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

11.30% p.a.

$0

No current offer

Promoted

Bankwest

Bankwest

Breeze Mastercard

12.99% p.a.

$79 $39 in the first year

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 15 months then 13.99% p.a.

$100

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 15 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$100