Unity Bank Visa Credit Card

7.99% p.a. for 6 months then 9.99% p.a.

7.99% p.a. for 6 months and then 9.99% p.a.

$60 $0 in the first year

n/a

Unity Bank Visa Credit Card

7.99% p.a. for 6 months then 9.99% p.a.

7.99% p.a. for 6 months and then 9.99% p.a.

$60 $0 in the first year

n/a

Mozo Review   Unity Bank Visa Credit Card Review

Last updated: 1 August 2019.

What's hot:
  • Low 7.99% intro rate for 6 months

  • Mozo Experts Choice Award 2018

  • No annual fee for the first year

What's not:
  • Limited branches but internet banking available 24/7

Mozo snapshot:

What's not to love about the Unity Bank Credit Card? It was awarded a Mozo Experts Choice Award in 2018 for best value low rate credit card. With one of Australia's lowest ongoing interest rates at 9.99% (7.99% for the first six months), no annual fee for the first year (after which you will pay $60 a year) and up to 55 interest free days on all new purchases each month, it is a good all around credit card.


Key features:

Although Unity Bank used to be called The Maritime, Mining and Power Credit Union, you don't need to be employed in these industries to score a top deal - the Unity Bank Visa Credit Card is available to all Australian residents over 18 years. 

For the first 6 months you will get a 7.99% interest rate on any new purchases. The rate goes up to 9.99% after the first six months but this is still one of the cheapest rates in the market. Plus, if you have debt on another card accruing interest, you can transfer this across and only pay 7.99% for the first six months.

Another top feature of this card is the 55 interest free days on new purchases. Many cards will only give you interest free periods if you pay off your balance in full each month. With the Unity Bank Credit Card all new purchases receive up to 55 days interest free each month, saving you money!

For the first year, the Unity Bank Visa Credit Card will also cost you nothing, after which you will pay an annual fee of just $60.

You will be able to use your Visa card anywhere in Australia and around the world where ever Visa cards are accepted.
Who it's good for:

This is a great credit card so people looking for a fuss-free credit card that will save them money.

Any catches?

There is a limited branch network but internet banking and other easy payment options like gyroPost mean that going to a branch isn't necessary to manage your account.

Details

Rates and fees information correct as at 14 October 2019 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
  • 9.99% p.a.

  • 7.99% p.a. for 6 months

  • 7.99% p.a. for 6 months and then 9.99% p.a.

  • no

  • 9.99% p.a.

  • 55

Fees
  • $60.00

  • $0 in the first 1 year

  • none

  • none

  • $0.00

  • $1.65

  • 3.00%

  • $2.50

  • $18.00

  • $0.00

Features
  • $20.00

  • 2.0

  • yes

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

How are Unity Bank credit cards rated by the Mozo community?

Overall customer rating
8.8/10
Price
7.2/10
Features
6.8/10
Customer service
7.8/10
Convenience
6.6/10
Trust
9.4/10

Latest reviews of Unity Bank Visa Credit Card

  • Overall
    10/10
    Excellent

    Unity bank is the best.

    Unity bank is the best.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Jack | South Australia

    reviewed 12 months ago

  • Overall
    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 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

    Norman | New South Wales

    reviewed almost 6 years ago

  • Overall
    7/10
    Better customer communication

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

    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

    Vanessa | New South Wales

    reviewed almost 6 years ago

  • Overall
    9/10
    Good rates and customer service. Better than other

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

    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

    Leon | Queensland

    reviewed almost 7 years ago

Unity Bank

About Unity Bank

Unity Bank has been offering financial products and services to members of the maritime, mining and power industries, their families and local communities since 1970. Unity Bank gives customers access to a range of solutions within personal, car and home loan products, investment loans, overdrafts, savings accounts, term deposits, credit cards, debit cards and business products. Unity Bank additionally offers insurance products for its members.

See Unity Bank credit cards

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

19.99% p.a.

$49 $29 in the first year

Promoted

American Express

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

ANZ

ANZ

Frequent Flyer Black

No current offer

20.24% p.a.

$425

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

19.99% p.a.

$299 $199 in the first year

Promoted

Citi

Citi

Clear Platinum Credit Card

0% p.a. for 9 months and then 22.24% p.a.

0% p.a. for 9 months then 14.99% p.a.

$99 $0 in the first year

Promoted

Virgin Money

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 $64 in the first year

Promoted

Latitude

Latitude

Low Rate Mastercard

No current offer

9.89% p.a.

$69

Promoted

NAB

NAB

Qantas Rewards Signature Card

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

19.99% p.a.

$395 $295 in the first year

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

$299 $199 in the first year

Promoted

American Express

American Express

Qantas Ultimate Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$450

Promoted

Virgin Money

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 $64 in the first year

Promoted

ANZ

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

20.24% p.a.

$425

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

$49 $29 in the first year

Promoted

Citi

Citi

Rewards Platinum Credit Card (Bonus Points)

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

$149 $49 in the first year

Promoted

HSBC

HSBC

Platinum Credit Card (Special Offer)

1 point per dollar on Visa, up to 10000 points per month

19.99% p.a.

$129 Refunded when you spend over $6,000 p.a

Promoted

NAB

NAB

Qantas Rewards Signature Card

1 point per dollar on Visa, up to $5,000 per month, then
0.5 points per dollar on Visa, up to $20,000 per month

19.99% p.a.

$395 $295 in the first year

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

$49 $29 in the first year

19.99% p.a.

Promoted

Citi

Citi

Rewards Signature Credit Card

0% p.a. for 15 months and then 22.24% p.a. (1.00% balance transfer fee)

$395 $199 in the first year

21.49% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

0% p.a. for 14 months then 20.74% p.a.

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

19.99% p.a.

Promoted

Citi

Citi

Clear Platinum Credit Card

0% p.a. for 9 months and then 22.24% p.a.

$99 $0 in the first year

0% p.a. for 9 months then 14.99% p.a.

Promoted

HSBC

HSBC

Platinum Credit Card

0% p.a. for 12 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a

0% p.a. for 12 months then 19.99% p.a.

Promoted

American Express

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

Citi

Citi

Rewards Platinum Credit Card (Balance Transfer)

0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

$199 $0 in the first year

21.49% p.a.

Promoted

Citi

Citi

Clear Platinum Credit Card

0% p.a. for 9 months then 14.99% p.a.

$99 $0 in the first year

0% p.a. for 9 months and then 22.24% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

0% p.a. for 6 months and then 20.99% p.a.

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 20.24% p.a.

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

9.90% p.a.

$99 $0 in the first year

0% p.a. for 6 months and then 9.90% p.a. (2.00% balance transfer fee)

Promoted

ME

ME

frank Credit Card

11.99% p.a.

$0

No current offer

Promoted

Latitude

Latitude

Low Rate Mastercard

9.89% p.a.

$69

No current offer

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

11.55% p.a.

$0

No current offer

Promoted

NAB

NAB

Low Fee Card

19.74% p.a.

$30

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

Citi

Citi

Clear Platinum Credit Card

0% p.a. for 9 months then 14.99% p.a.

0% p.a. for 9 months and then 22.24% p.a.

$99 $0 in the first year

Promoted

Virgin Money

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 $64 in the first year

Promoted

HSBC

HSBC

Platinum Credit Card (Special Offer)

0% p.a. for 12 months then 19.99% p.a.

0% p.a. for 22 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a

Promoted

HSBC

HSBC

Platinum Credit Card

0% p.a. for 12 months then 19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a

Promoted

Citi

Citi

Platinum Credit Card (Purchase Rate)

0% p.a. for 13 months then 21.49% p.a.

0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year