Illawarra Credit Union Credit Cards

Compare Illawarra Credit Union credit cards, focusing on benefits, features, rates, and fees, to make a well-informed decision before applying.

By   |   Updated 5 Mar 2024

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Comparing Illawarra Credit Union credit cards

Illawarra CU Low Rate Mastercard

On website

Highlights

  • Benefit from a low annual fee of just $50 p.a., waived in the first year.
  • Enjoy a low purchase rate of 8.99% p.a.
  • Get up to 45 days interest-free on purchases.

Pros

  • Compatible with Apple Pay, Google Pay, and Samsung pay.
  • Annual fee of $50 is waived in the first year.
  • Up to 45 days interest-free on purchases.
  • Credit limits range from $500 to $25,000.

Cons

  • No balance transfer offer at present.
  • There is a 3% overseas transaction fee.

Illawarra Credit Union offers a range of credit cards designed to suit different needs and preferences. Whether you are looking for a low-rate card, rewards card, or a card with additional perks, Illawarra Credit Union has options to consider. In this article, we will delve into the details of Illawarra Credit Union credit cards, including features, benefits, fees, and how to apply.

Types of Illawarra Credit Union Credit Cards

Illawarra Credit Union offers various types of credit cards to cater to different financial situations and preferences. Here are some of the main types of credit cards available:

Low Rate Credit Cards

Illawarra Credit Union provides low interest rate credit cards for individuals who want to save on interest charges. These cards are suitable for cardholders who typically carry a balance on their credit cards.

Rewards Credit Cards

Illawarra Credit Union offers rewards credit cards that allow cardholders to earn points or cashback on their purchases. With these cards, you can earn rewards for your everyday spending, which can be redeemed for a range of rewards such as travel, merchandise, or gift cards.

Platinum Credit Cards

For customers looking for additional perks and benefits, Illawarra Credit Union offers platinum credit cards. These cards often come with features such as complimentary travel insurance, concierge services, extended warranty on purchases, and more.

Features of Illawarra Credit Union Credit Cards

When considering an Illawarra Credit Union credit card, it's essential to understand the features that come with the card. Here are some common features you may find:

Competitive Interest Rates

Illawarra Credit Union offers competitive interest rates on their credit cards, making them a cost-effective option for cardholders.

Reward Programs

Many Illawarra Credit Union credit cards come with reward programs that allow you to earn points on your purchases, which can be redeemed for a variety of rewards.

Contactless Payments

Illawarra Credit Union credit cards are equipped with contactless payment technology, making transactions quick and convenient.

Online Account Management

Cardholders can easily manage their Illawarra Credit Union credit card accounts online, allowing them to view transactions, make payments, and set up alerts.

Fees and Charges

It's important to be aware of the fees and charges associated with Illawarra Credit Union credit cards. While the specific fees may vary depending on the card you choose, here are some common fees to consider:

  • Annual fees
  • Interest rates
  • Foreign transaction fees
  • Late payment fees
  • Overlimit fees

Be sure to review the terms and conditions of the card to understand all applicable fees before applying.

How to Apply for an Illawarra Credit Union Credit Card

If you're interested in applying for an Illawarra Credit Union credit card, you can typically apply online through the credit union's website. The application process may require you to provide personal and financial information, so be prepared to have relevant documents on hand.

Additionally, you may need to meet certain eligibility criteria, such as being over the age of 18, having a good credit history, and meeting minimum income requirements. Once you submit your application, the credit union will review it, and if approved, you will receive your new credit card in the mail.

Help choosing an Illawarra Credit Union credit card

Get personalized guidance to select the ideal Illawarra Credit Union credit card, perfectly suited to your financial goals and lifestyle.

  • FAQs

What types of credit cards does Illawarra Credit Union offer?

Illawarra Credit Union offers a range of credit cards, including low rate cards, rewards cards, and platinum cards.

How can I apply for an Illawarra Credit Union credit card?

You can apply for an Illawarra Credit Union credit card online through their website. Make sure to have necessary information and documents ready for the application process.

What are some common fees associated with Illawarra Credit Union credit cards?

Common fees associated with Illawarra Credit Union credit cards include annual fees, interest rates, foreign transaction fees, late payment fees, and overlimit fees.

Do Illawarra Credit Union credit cards come with reward programs?

Yes, many Illawarra Credit Union credit cards come with reward programs that allow cardholders to earn points on their purchases.

Are there contactless payment options available with Illawarra Credit Union credit cards?

Yes, Illawarra Credit Union credit cards are equipped with contactless payment technology for quick and convenient transactions.