Thumbnail icon for UniBank

UniBank Credit Card

Purchase rate
7.90% p.a. for 6 months then 11.50% p.a.
Balance transfer rate
7.90% p.a. for 6 months and then 11.50% p.a.
Annual fees
$0
Interest free days on purchases
55

Mozo editorial review UniBank Credit Card

Last updated: 15 October 2020.

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What's hot
  • 2020 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 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.

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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.

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Who is it good for

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

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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 21 October 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

How are UniBank credit cards rated by the Mozo community?

Overall
10.0/10
Price
10.0/10
Features
10.0/10
Customer service
9.0/10
Convenience
10.0/10
Trust
10.0/10

Latest review of UniBank Credit Card

  • Overall 10/10
    Good.

    It's a good credit card.

    Read full review

    It's a good credit card.

    Price
    10/10
    Features
    10/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Kit, New South Wales reviewed 7 months ago
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.

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