UniBank

Compare UniBank credit cards and their interest rates, fees, and benefits. Be informed about your next credit card.

UniBank credit card

UniBank Visa Credit Card

On website

UniBank Visa Credit Card

Balance transfer

6 months at 7.9% p.a.

Purchase rate

6 months at 7.9% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Get an introductory rate of 7.90% p.a. on balance transfers and purchases (reverts to 11.50% p.a.).
  • No annual fee for life and flexible credit limits from $1,000 to $25,000.
  • Enjoy up to 55 days interest-free days.

Pros

  • $0 annual fee.
  • Low ongoing rates of 11.50% p.a.
  • Introductory offers on purchases and balance transfers for 6 months at discounted rate of 7.90% p.a.
  • Additional cardholders at no extra cost.

Cons

  • No rewards program.
  • No other perks and privileges.

How to Apply for a UniBank Credit Card

Applying for a UniBank credit card is a simple and straightforward process. Here are the general steps you need to follow to apply.

  1. Research: Evaluate the different UniBank credit card options available and choose the one that best suits your needs.
  2. Check eligibility: Ensure you meet the eligibility criteria, which may include minimum income requirements, credit history, and residency status.
  3. Apply online: Visit the UniBank website or visit a branch to apply for the credit card online. Fill out the application form with your personal and financial details.
  4. Submit documents: You may be required to submit supporting documents such as proof of income, identification, and address verification.
  5. Approval: Once your application is processed, UniBank will review your information and either approve or decline your application.
  6. Receive your card: If approved, you will receive your UniBank credit card in the mail along with instructions on activating and using it.

Help choosing a UniBank credit card

Unlock personalized guidance to select the ideal UniBank credit card, tailored to your financial goals and lifestyle preferences.

  • FAQs

How can I check my UniBank credit card balance online?

To check your UniBank credit card balance online, log in to your UniBank internet banking account and navigate to the credit card section. You will be able to view your current balance, available credit limit, recent transactions, and payment due date.

What should I do if my UniBank credit card is lost or stolen?

If your UniBank credit card is lost or stolen, contact UniBank immediately to report it. UniBank will block your card to prevent unauthorized use and guide you through the process of ordering a replacement card.

Can I set up recurring payments on my UniBank credit card?

Yes, you can set up recurring payments on your UniBank credit card for regular bills and subscriptions. Log in to your UniBank internet banking account to schedule recurring payments for hassle-free bill payments.

How can I increase my UniBank credit card limit?

To increase your UniBank credit card limit, you can contact UniBank's customer service and request a credit limit increase. UniBank will review your financial circumstances and credit history before approving the request.

Does UniBank credit card offer travel insurance?

Some UniBank credit cards, such as the Platinum credit card, may offer complimentary travel insurance as a perk. Check the terms and conditions of your UniBank credit card to see if travel insurance is included and the extent of coverage provided.