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
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: 18 October 2018.
What's hot:
Multiple Mozo Experts Choice 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 2018 Mozo Experts Choice Awards for No Annual Fee Credit Card, as well as a 2018 Award for best Low Rate Travel Credit Card is the UniBank Credit Card, with its 7.90% purchase rate for the first 6 months, low 11.50% cash advance rate and no annual fee. If you’re someone who prefers convenience over prestige, this is the card you need.
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 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 2.45% 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 2.45% 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 19 October 2018.
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
-
$4.00
-
2.45%
-
$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.
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.
Promoted
Woolworths
Everyday Platinum Credit Card
0% p.a. for 14 months and then 21.99% p.a.
19.99% p.a.
$49 $0 in the first year
Promoted
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 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
Promoted
American Express
Explorer Credit Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
20.74% p.a.
$395
Promoted
Bankwest
Breeze Platinum Mastercard
0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)
0% p.a. for 13 months then 12.99% p.a.
$99
Promoted
Westpac
Altitude Platinum with American Express
No current offer
20.24% p.a.
$199 $0 in the first year
Promoted
Woolworths
Everyday Platinum Credit Card
1 point per dollar on Visa, uncapped
19.99% p.a.
$49 $0 in the first year
Promoted
American Express
Explorer Credit Card
2 points per dollar on Amex, uncapped
20.74% p.a.
$395
Promoted
ANZ
Rewards Platinum
1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped
18.79% p.a.
$95
Promoted
American Express
Velocity Escape Card
1 point per dollar on Amex, uncapped
20.74% p.a.
$0
Promoted
Westpac
Altitude Platinum with American Express
1 point per dollar on Amex, 0.5 points per dollar on Visa, uncapped
20.24% p.a.
$249 $50 in the first year
Promoted
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
Promoted
Bankwest
Qantas Platinum Mastercard
0.5 points per dollar on Mastercard, up to 200000 points per year
20.49% p.a.
$160
Promoted
ANZ
Frequent Flyer Black
1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped
19.99% p.a.
$425
Promoted
Woolworths
Everyday Platinum Credit Card
0% p.a. for 14 months and then 21.99% p.a.
$49 $0 in the first year
19.99% p.a.
Promoted
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
Suncorp
Clear Options Platinum
0% p.a. for 18 months and then 21.99% p.a.
$178
20.74% p.a.
Promoted
Bankwest
Breeze Platinum Mastercard
0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)
$99
0% p.a. for 13 months then 12.99% p.a.
Promoted
American Express
Explorer Credit Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
$395
20.74% p.a.
Promoted
28 Degrees
Platinum Mastercard
4.99% p.a. for 6 months and then 21.99% p.a.
$0
21.99% p.a.
Promoted
NAB
Low Rate Platinum Card
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$100
0% p.a. for 9 months then 13.99% p.a.
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 18 months and then 20.99% p.a.
$129 $64 in the first year
20.74% p.a.
Promoted
Bankwest
Breeze Platinum Mastercard
0% p.a. for 13 months then 12.99% p.a.
$99
0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)
Promoted
American Express
Essential Credit Card
14.99% p.a.
$0
0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)
Promoted
NAB
Low Rate Platinum Card
0% p.a. for 9 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
Citi
Clear Platinum
12.99% p.a.
$99 $0 in the first year
0% p.a. for 14 months and then 21.74% p.a.
Promoted
Bankwest
Breeze Mastercard
0% p.a. for 13 months then 12.99% p.a.
$79
0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)
Promoted
St.George
Vertigo
13.74% p.a.
$55
0% p.a. for 16 months and then 19.49% p.a.
Promoted
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
Promoted
Bankwest
Breeze Platinum Mastercard
0% p.a. for 13 months then 12.99% p.a.
0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)
$99
Promoted
NAB
Low Rate Platinum Card
0% p.a. for 9 months then 13.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$100
Promoted
Bankwest
Breeze Mastercard
0% p.a. for 13 months then 12.99% p.a.
0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)
$79
Promoted
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
