Apply online for a credit card with your local credit union, mutual bank or building society.
For many credit unions anyone from the general public can take advantage of their competitive credit card offers. They might be relatively small or concentrate on serving a specific local area e.g. Newcastle Permanent which mainly serves the areas covering the Hunter Valley, Central Coast, Mid North Coast and New England. However, for some more specialised credit unions and mutual banks that are set up to serve specific communities, such as Teachers Bank or QPCU, you may need to be an official member of an organisation in order to be eligible to apply.