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Mini meca 2020

Unity Bank Visa Credit Card

Advertiser disclosure
Purchase rate
7.99% p.a. for 6 months then 9.99% p.a.
Balance transfer rate
7.99% p.a. for 6 months and then 9.99% p.a.
Annual fees
$60 $0 in the first year
Interest free days on purchases
55

Mozo editorial review Unity Bank Visa Credit Card

Last updated: 15 October 2020.

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What's hot
  • Low 7.99% intro rate for 6 months
  • No annual fee for the first year
  • 2020 Mozo Experts Choice Award winner
What's not
  • Limited branches but internet banking available 24/7
Mozo snapshot

What's not to love about the Unity Bank 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. Plus, this card took home a 2020 Mozo Experts Choice Award in the Best Low Rate Credit Card category. 


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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.
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Who is it good for

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

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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 5 March 2021 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 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
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

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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

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3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

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1.25 points uncapped

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Qantas Frequent Flyer

$395 $295 in the first year

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1 point up to $5,000/month, then
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0.75 points uncapped

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0.75 points uncapped

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0.75 points up to $2,500/month, then
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60,000

0.5 points uncapped

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0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

11.99% p.a.

$45

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0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)

10.99% p.a.

$49 $0 in the first year

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0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

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0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

12.99% p.a.

$59

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11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

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3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

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No current offer

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No current offer

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Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

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Simplicity Credit Card

0% p.a. for 6 months then 21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$0

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3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

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0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

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6.99% p.a. for 12 months and then 21.49% p.a.

$0