With its super low 7.90% p.a. purchase rate for the first 6 months (then 11.50% p.a. after that), low 11.50% p.a. cash advance rate and no annual fee, the UniBank Credit Card could be a great card option for someone who prefers convenience over prestige. Better still, it was named a 2021 Mozo Experts Choice Credit Card Award winner by our expert judges in the best No Annual Fee Credit Card category.
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% p.a. purchase rate for the first 6 months, the rate will then revert to an 11.50% p.a. purchase rate once this period expires. And while you’ll have access to a low 11.50% p.a. 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% p.a. balance transfer rate for the first 6 months before it reverts to 11.50% p.a.
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 could be 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.
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