Credit Union SA Visa Credit Card

Credit Union SA Visa Credit Card

Highlights

  • 11.99% p.a. on purchases and cash advances.
  • Low annual fee of $59.
  • 0% p.a. on balance transfers for 6 months, reverting to 11.99% thereafter.

Pros and cons

Pros

  • Low-interest rates.
  • No cash advance fees.
  • Up to 55 days interest-free on purchases
  • Compatible with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, Samsung Pay and Visa payWave.

Cons

  • No rewards program.

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

The basics

  • Additional cardholders. You can add one additional cardholder to your account for free. This will give you the advantage of sharing the account benefits with a family member and also help manage day-to-day spending. However, it is important to remember that you are responsible for managing the account and repayments.
  • Digital wallets. Enjoy the convenience of using your Credit Union SA Visa Credit Card with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
  • Gambling transactions. Gambling transactions are not permitted with this card.

Rewards and benefits

  • Complimentary travel insurance. The Credit Union SA Visa Credit Card does not provide complimentary international travel insurance coverage.
  • Concierge services. There is no access to a concierge service.
  • Insurances. Cardholders get fraud protection and repayment insurance but do not have insurance policies for lost luggage, flight inconvenience, etc.
  • Rewards points. This credit card does not have a rewards program.
  • Sign up bonus. Credit Union SA do not offer any sign up bonus for this card.

Rates and fees

  • Annual fee. This card has an ongoing annual fee of $59.
  • Balance transfers. Credit Union SA Visa Credit Card offers a 0% p.a. balance transfer with a 6-month balance transfer period and an 11.99% revert rate.
  • Cash advances. Cash advances will be charged at 11.99% p.a., with interest beginning to accrue on the transaction from the day it was made. There is no cash advance fee.
  • Foreign exchange fee. All purchases made overseas or with an online store based overseas will incur a 3% foreign transaction fee.
  • Interest-free period. Get 55 days interest-free on all purchases (except cash advances) when the account balance is paid in full by the due date or if minimum payments are made.
  • Purchases. There is currently no introductory offer on purchases. Any purchases made with this card will attract interest at 11.99% p.a.

Nilooka Dissanayake

Reviewed by Nilooka Dissanayake

Writer

User reviews

Convenience

Customer service

Rates and fees

Rewards

Trust

Best value card around

Reviewed by Gerard

With around a 10% interest rate and a $39 annual fee, it was the cheapest and best value card I could find. As an added bonus you get the small Credit Union type of personal service.

I’ve never had an issue when traveling overseas in South America, Europe and the Middle East, when withdrawing or purchasing.


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