Unity Bank credit cards

Unity Bank
Unity Bank's overall rating for credit cards

(as rated by the Mozo community)

8.8 / 10

based on 5 reviews

Unity Bank, formerly known as Maritime, Mining & Power Credit Union is a member owned cooperative that has been operating in Australia since 1970. In 2015, it received a Mozo Experts Choice Award for best low rate credit card, so you can be sure you’ll find a great deal here.

Rates and fees verified as correct at 11 December, 2018. Other information correct at the time of writing.

What credit cards do Unity Bank offer?

Low rate credit cards Low rate credit cards

As a no-fuss, value for money credit card, a low rate VISA card from Unity Bank is the perfect addition to a money savvy wallet. Although you won’t get any fancy features with this credit card, you will get affordable and convenient spending power. Check out the details below:

Product Purchase rate Balance transfer rate Annual fees Interest free days

7.99% p.a. for 6 months then 10.12% p.a.

7.99% p.a. for 6 months and then 10.12% p.a.

$60 $0 in the first year

55


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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Unity Bank credit cards

What is the interest free period on my Unity Bank credit card?

When you rack up a balance on your Unity Bank credit card, you’ll have up to 55 days to pay it off before being charged interest. Just remember that these days don’t start when you make a purchase, but rather when your credit card statement cycle begins, which is usually toward the beginning of the month. So if you spend later in the month, you may have less than 55 days before interest begins to be charged.

What fees might I be charged?

When you snag a Unity Bank credit card, the annual fee is waived for the first year, but after that you’ll need to pay it, plus cash advance and foreign exchange fees.

What’s the minimum repayment amount I must make?

Every month you’ll have to make a minimum payment on your credit card balance - although it’s always a good idea to pay off more if you can.

With a Unity Bank credit card, your minimum payment will either be $20 or 2% of your closing balance - whichever is the higher amount. If your total balance is less than $20, then your minimum payment will be the whole amount.

What rewards will I earn with my Unity Bank credit card?

The credit card offering from Unity Bank is designed as a no-frills, no-fuss card, for affordable, convenient spending. Rewards aren’t exactly a priority in that schematic. So there’s no rewards program or freebies attached to your Unity Bank credit card.

If you’re looking for a piece of plastic with some rewards earning power, check out these great rewards cards.

Can I use my Unity Bank credit card for a balance transfer?

Yes - but there’s a catch. With many balance transfer deals, you get a zero interest period to pay off the transferred balance and get your credit card debt under control. Unfortunately, with a balance transfer from Unity Bank, you don’t get this interest free period. You do get an initial period with super low interest - but after that any leftover balance will go back to being charged interest at the usual rate.

If you’re trying to manage credit card debt and you’re after a balance transfer credit card with an interest free period, check out our comparison table for all the best balance transfer deals on the market.

Will my Unity Bank credit card work overseas?

Yes it will. Your Unity Bank is a VISA card, so it will work wherever VISA is accepted - which is mostly anywhere in the world these days.

Just don’t forget to check the foreign exchange rates and account for foreign exchange fees in your travel budget!

Can I use payWave with my Unity Bank credit card?

Definitely. PayWave works on the VISA network, so you can use it to make contactless payments with your Unity Bank on spends under $100.

Check out our guide for more about how contactless payments work.

What can I do to avoid credit card fraud?

Credit cards are a super convenient way to spend, but the flip side is that you’ll need to be aware of the risk of credit card fraud.

Luckily, there are a few things you can do to keep your Unity Bank credit card safe. When you use your credit card:

 - Don’t use ATMs that are damaged - that’s often a sign that scammers have been tampering with them.

 - Keep your PIN a secret - don’t share it with anyone or write it down.

 - Make sure you cover your PIN when you use an EFTPOS machine or ATM

 - Keep an eye on your credit card statements. Look for any unusual or suspicious transactions, and if you find something, report it right away.

How are Unity Bank credit cards rated?

Mozo users have rated Unity Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Unity Bank credit cards

Overall 8.8

Price

Features

Customer service

Convenience

Trust

5 Reviews

Recent Unity Bank credit card reviews Recent Unity Bank credit card reviews

Unity Bank

Unity Bank Visa Credit Card credit card review

Overall rating   10 / 10

Excellent

Unity bank is the best.

Full review

Unity bank is the best.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Jack, South Australia, reviewed about 2 months ago

Unity Bank

Unity Bank Visa Credit Card credit card review

Overall rating   9 / 10

Very competitive & excellent customer service

I have used this Credit Union as my sole banking facility for over 40 years. During that period, I have not had a single reason to complain. If that is not a good enough recommendation, I don't know what is!

Full review

I have used this Credit Union as my sole banking facility for over 40 years. During that period, I have not had a single reason to complain. If that is not a good enough recommendation, I don't know what is!

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   4 / 10

    Trust   10 / 10

Less

Norman, New South Wales, reviewed about 5 years ago

Unity Bank

Unity Bank Visa Credit Card credit card review

Overall rating   7 / 10

Better customer communication

There's not enough information about the company. I know nothing about them.

Full review

There's not enough information about the company. I know nothing about them.

    Price   0 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   4 / 10

    Trust   7 / 10

Less

Vanessa, New South Wales, reviewed about 5 years ago

Unity Bank

Unity Bank Visa Credit Card credit card review

Overall rating   9 / 10

Good rates and customer service. Better than other

Great service. Real people. No automative phone answering service. Good rates on all products.

Full review

Great service. Real people. No automative phone answering service. Good rates on all products.

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   6 / 10

    Trust   10 / 10

Less

Leon, Queensland, reviewed about 6 years ago

Unity Bank

Unity Bank credit card review

Overall rating   9 / 10

This card is great. I've been using it for a few years now. They have now lowered the rate which makes it really good. It's a simple card with no rewards program. Had no problems using the card.

Full review

This card is great. I've been using it for a few years now. They have now lowered the rate which makes it really good. It's a simple card with no rewards program. Had no problems using the card.

    Price   10 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

John, New South Wales, reviewed over 7 years ago

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What do you need to apply for a Unity Bank credit card? What do you need to apply for a Unity Bank credit card?

Because Unity Bank is a member owned organisation, you do need to become a member before signing on for a credit card, although you don’t need to be in any of the mentioned industries to apply.

When applying for a credit card, remember that you’ll generally need to:

  • be over 18
  • be an Australian permanent resident
  • provide details about your employment, income, debts and assets

To apply, give Unity Bank a call or fill in an online enquiry through their website and for more information about applying for a credit card, check out our guide.

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