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.
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.
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
PayPal
Rewards Card
20.99% p.a.
0% p.a. for 20 months and then 20.99% p.a.
$0
PayPal Rewards
Kogan Money
Black Card
20.99% p.a.
0% p.a. for 12 months and then 21.74% p.a.
$0
Kogan Rewards Points
St.George
Vertigo
13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
120,000
1.25 points uncapped
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Kogan Money
Black Card
0% p.a. for 12 months and then 21.74% p.a.
20.99% p.a.
$0
Kogan Rewards Points
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 12 months then 11.99% p.a.
$45
PayPal
Rewards Card
0% p.a. for 20 months and then 20.99% p.a.
20.99% p.a.
$0
PayPal Rewards
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
humm90
Mastercard
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
23.99% p.a.
$99
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
NAB
Low Rate Card
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
David Jones
American Express Platinum Card
0% p.a. for 6 months then 20.74% p.a.
No current offer
$295
NAB
StraightUp Card
0% p.a.
No current offer
$180 $15/month - waived if no spend & no balance owing
BankSA
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
David Jones
American Express Card
0% p.a. for 6 months then 20.74% p.a.
No current offer
$99
NAB
StraightUp Card
0% p.a.
No current offer
$240 $20/month - waived if no spend & no balance owing
