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Unity Bank Visa Credit Card

Advertiser disclosure
Purchase rate
8.24% p.a. for 6 months then 10.24% p.a.
Balance transfer rate
8.24% p.a. for 6 months and then 10.24% p.a.
Annual fees
$60 $0 in the first year
Interest free days on purchases

Mozo editorial review Unity Bank Visa Credit Card - last updated: 16 May 2022

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What's hot
  • Low 8.24% p.a. intro rate for 6 months (then 10.24% p.a. thereafter)
  • No annual fee for the first year (then $60 each year after)
  • 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 10.24% p.a. (8.24% p.a. 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 8.24% p.a. interest rate on any new purchases. The rate goes up to 9.99% p.a. 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 8.24% p.a. 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 is it good for

This could be a great option for 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.


Rates and fees information correct as at 18 May 2022 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.

10.24% p.a.

8.24% p.a. for 6 months

8.24% p.a. for 6 months and then 10.24% p.a.


10.24% p.a.




$0 in the first year














Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

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

Customer service

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About Unity Bank