Unity Bank

Compare Unity Bank credit cards features, interest rates, and fees to make an informed decision about applying.

Unity Bank credit card

On website

Unity Bank Visa Credit Card

Balance transfer

6 months at 7.74% p.a.

Purchase rate

6 months at 7.74% p.a.

Annual fee

$0.00 for 1st year

Highlights

Take advantage of a rate of 7.74% for 6 months on both balance transfers and purchases, reverting to 13.49% thereafter.
Enjoy no first-year annual fee (reverting to $60 per annum in the following years).
Benefit from up to 55 interest-free days on purchases.

Pros

Low ongoing interest rates.
No annual fee for the first year.
You can link your card to Apple Pay, Google Pay, and Samsung Pay.

Cons

There is no introductory offer on balance transfers or purchases at the moment.
No rewards program.

How to Apply for a Unity Bank Credit Card

Applying for a Unity Bank credit card is a straightforward process. Here's a step-by-step guide on how to apply for a Unity Bank credit card:

Visit the Unity Bank website or a branch location to view the available credit card options.
Compare the features, benefits, and fees associated with each card to determine which one best suits your needs.
Fill out the online application form with your personal and financial details.
Submit any required documentation, such as proof of income or identification.
Wait for approval, which may take a few business days.
Once approved, receive your new credit card in the mail and activate it as instructed.

Help choosing a Unity Bank credit card

Access personalized assistance in selecting the perfect Unity Bank credit card, tailored to your financial goals and lifestyle preferences.

FAQs

How can I check the status of my Unity Bank credit card application?

You can check the status of your Unity Bank credit card application by contacting the bank's customer service hotline or logging into your online account portal.

What is the minimum credit limit offered by Unity Bank credit cards?

The minimum credit limit offered by Unity Bank credit cards may vary depending on the card type and the applicant's creditworthiness. It is recommended to check the specific details of each card before applying.

Are there any annual fees associated with Unity Bank credit cards?

Some Unity Bank credit cards may have an annual fee, while others may offer no annual fee for the first year or under certain conditions. It's important to review the terms and conditions of each card to understand the fee structure.

Can I make balance transfers to a Unity Bank credit card?

Unity Bank may allow balance transfers to some credit cards, providing cardholders with the option to consolidate their existing credit card balances onto a Unity Bank card at a lower interest rate. Check the specific terms of the card for more information.

What payment methods are accepted for Unity Bank credit card bills?

Unity Bank typically accepts various payment methods for credit card bills, including online payments, direct debits, BPAY, and in-branch payments. Cardholders can choose the method that is most convenient for them.

Is there a foreign transaction fee for using Unity Bank credit cards overseas?

Unity Bank credit cards may charge a foreign transaction fee for purchases made in a foreign currency or transactions processed overseas. Check the card's terms and conditions for details on applicable fees.

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

In the event that your Unity Bank credit card is lost or stolen, it is important to contact Unity Bank immediately to report the loss and request a replacement card. The bank will assist you in securing your account and issuing a new card.