Thumbnail icon for Unity Bank

Unity Bank Visa Credit Card

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: 17 October 2019.

binocular icon
What's hot
  • Low 7.99% intro rate for 6 months
  • 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? 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 icon
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.
snapshot
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.

snapshot
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 3 August 2020 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.

    Read 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 almost 2 years 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 not had a single reason to complain. If that is not a good enough recommendation, I don't know what is!

    Read 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 over 6 years ago
  • Overall 7/10
    Better customer communication

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

    Read 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 over 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.

    Read 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 over 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

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Promoted

CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$149 $0 in the first year

Life Rich Rewards

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

19.99% p.a.

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

$299 $199 in the first year

Qantas Frequent Flyer

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$79

Promoted

Bankwest

Bankwest

Zero Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

American Express

American Express

Explorer Credit Card

20.74% p.a.

No current offer

$395

Membership Rewards

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 12.99% p.a.

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

$59

Promoted

CUA

CUA

Platinum Credit Card

Life Rich Rewards

$149 $0 in the first year

No current offer

1 point up to 100,000 points/year

Promoted

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

Qantas Frequent Flyer

$299 $199 in the first year

80,000

1 point up to $10,000/month, then
0.5 points uncapped

Promoted

NAB

NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

Promoted

American Express

American Express

Platinum Edge Credit Card

Membership Rewards

$195

No current offer

1 point uncapped

Promoted

NAB

NAB

Rewards Platinum Card

NAB Rewards

$195

60,000

1 point uncapped

Promoted

Citi

Citi

Rewards Credit Card

Citi Rewards Program

$199 $0 in the first year

No current offer

1 point up to $10,000/month

Promoted

American Express

American Express

Explorer Credit Card

Membership Rewards

$395

50,000

2 points uncapped

Promoted

CUA

CUA

Low Rate Credit Card

0% p.a. for 13 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

Promoted

Bankwest

Bankwest

Breeze Mastercard

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

0% p.a. for 15 months then 12.99% p.a.

$79

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

Qantas Frequent Flyer

Promoted

Bankwest

Bankwest

Zero Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Promoted

Citi

Citi

Rewards Credit Card

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

21.49% p.a.

$199 $0 in the first year

Citi Rewards Program

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

0% p.a. for 15 months then 12.99% p.a.

$99

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months and then 12.54% p.a.

0% p.a. for 6 months then 12.54% p.a.

$0

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$79

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 12.99% p.a.

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

$59

Promoted

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Mastercard

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

Promoted

Credit Union SA

Credit Union SA

Visa Credit Card

10.49% p.a.

0% p.a. for 6 months and then 10.49% p.a.

$39

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Platinum Mastercard

11.99% p.a.

0% p.a. for 6 months and then 11.99% p.a.

$89

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$79

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 12.99% p.a.

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

$59

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$99

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Mastercard

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months then 12.54% p.a.

0% p.a. for 6 months and then 12.54% p.a.

$0

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

St.George

St.George

Rainbow Platinum Vertigo

0% p.a. for 15 months then 12.99% p.a.

No current offer

$99 $49 in the first year