Unity Bank Visa Credit Card

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

n/a

Unity Bank Visa Credit Card

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

n/a

Mozo Review   Unity Bank Visa Credit Card Review

Last updated: 20 September 2018.

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

  • Mozo Experts Choice Award 2017

  • 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 2017 for best value low rate credit card. With one of Australia's lowest ongoing interest rates at 10.12% (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 10.12% 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 25 September 2018.

Rates
  • 10.12% p.a.

  • 7.99% p.a. for 6 months

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

  • no

  • 10.12% 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
8.5/10
Price
6.5/10
Features
6.0/10
Customer service
7.3/10
Convenience
5.8/10
Trust
9.3/10

Latest reviews of Unity Bank Visa Credit Card

  • 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 5 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 5 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 6 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