Unity Bank Credit Cards

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

By   |   Updated 7 Mar 2024

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Comparing Unity Bank credit cards

Unity Bank Visa Credit Card

On website

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.

Unity Bank offers a range of credit cards designed to cater to various financial needs and preferences. From low-interest rates to attractive rewards programs, Unity Bank credit cards provide flexibility and convenience for cardholders. In this article, we will explore the different types of credit cards offered by Unity Bank, their features, benefits, and how you can apply for one.

Types of Unity Bank Credit Cards

Unity Bank offers a variety of credit cards to suit different lifestyles and spending habits. Each card comes with its own set of features and benefits. Here are some of the popular credit cards offered by Unity Bank:

Unity Bank Low Rate Credit Card

  • Features a competitive low-interest rate on purchases and cash advances.
  • Ideal for cardholders who carry a balance on their credit card and want to save on interest charges.
  • May include perks such as interest-free days and online account management.

Unity Bank Rewards Credit Card

  • Earn reward points on every dollar spent, which can be redeemed for merchandise, travel, or cashback.
  • Bonus points for signing up or meeting spending thresholds.
  • Additional benefits such as complimentary travel insurance and purchase protection.

Unity Bank Platinum Credit Card

  • Offers premium benefits such as higher credit limits, exclusive concierge services, and complimentary airport lounge access.
  • Rewards program with accelerated points earning on specific categories like dining or shopping.
  • Travel perks like travel insurance, hotel discounts, and airport transfer services.

Benefits of Unity Bank Credit Cards

Unity Bank credit cards come with a range of benefits that make them a popular choice among cardholders. Here are some key advantages of holding a Unity Bank credit card:

  • Competitive interest rates: Unity Bank offers competitive interest rates on their credit cards, making them an affordable choice for cardholders.
  • Rewards programs: Earn reward points on every purchase and redeem them for a variety of rewards, including travel, merchandise, and cashback.
  • Complimentary features: Some Unity Bank credit cards come with complimentary benefits such as travel insurance, purchase protection, and concierge services.
  • Online account management: Easily manage your credit card account online, track your transactions, make payments, and set up alerts for added security.

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 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.