Unity Bank

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

Unity Bank credit card

Unity Bank Visa Credit Card

Unity Bank Visa Credit Card

4.0

Balance transfer

6 months at 7.74% p.a.

Purchase rate

6 months at 7.74% p.a.

Interest-free days

55 days

Annual fee

$0.00 for 1st year

Details

  • 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 & cons

Pros
  • Low ongoing interest rates.
  • No annual fee for the first year.
  • Compatible with 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:

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

Help choosing a Unity Bank credit card

Access personalised 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 on its credit card is $1,000.

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

Unity Bank offers one credit card with an annual fee waiver for the first year, which then reverts to $60. It's important to review the card's terms and conditions to fully understand the fee structure and other potential costs.

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

The Unity Bank Visa Credit Card offers a 7.74% p.a. balance transfer rate for 6 months with no balance transfer fee. Cardholders can consolidate existing credit card balances at a lower rate. Check the card’s terms for more details.

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?

The Unity Bank Visa Credit Card charges a 3% foreign exchange fee for purchases made in a foreign currency or for transactions processed overseas. Be sure to review the card’s terms and conditions for more 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.