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Australian Unity Low Rate Credit Card
Australian Unity Low Rate Credit Card

Australian Unity Low Rate Credit Card

Updated 25 October 2019

Purchase Rate (p.a)

9.90%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$59

$0 over 0 months

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Pros and cons

  • Annual fee of $59
  • 9.90%p.a. on purchases
  • Up to 4 additional cards at no extra cost
  • Up to 45 days interest-free on purchases
  • Minimum credit limit from $500
  • Pay with your smartphone using Apple Pay, Samsung Pay or Google Pay

    Creditcard.com.au review

    Editor Review

    Australian Unity Low Rate Credit Card

    Roland Bleyer
    Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

    The Australian Unity Low Rate Credit Card

    With a seriously low purchase rate, the Australian Unity Low Rate Credit Card is a real money saver. As a fairly simple offering, this no frills card can also keep costs low with an affordable annual fee and up to 45 days interest free on purchases, with a tempting bonus of up to 10% off Australian Unity health insurance as well.

    What we love...

    Unlike the big banks, the Australian Unity group is a mutual organisation, which means it is owned by its members. Instead of paying out profits to shareholders, it can return them to members by offering low rates of interest and low fees on products such as its credit card. Which is why the Australian Unity Low Rate Credit Card can offer one of the lowest ongoing purchase rates on the market.

    While the organisation may not have the name of a big bank, it still has plenty to offer cardholders, especially those who want to save money. Aside from its low purchase rate, the card also offers a low cash advance rate (although cash advances should be avoided if you really want to save money), and up to 45 days interest free on purchases.

    Just like its rates, the card’s annual fee is also low. And if you want to add additional cardholders to the account, you can add up to four at no extra cost. This can be a great option if you want to simplify your finances, as it means you only have to deal with one credit card account and one credit card payment, while family members who need it can enjoy access to credit with their own card.

    But that’s not all the Australian Unity Low Rate Credit Card has to offer. You could save even more money as a cardholder, if you choose Australian Unity as your health insurance provider as well. Available to new customers only, this offer provides up to 10% off Australian Unity health insurance bought directly through Australian Unity and paid for by direct debit.

    What’s not so great...

    As you can see, there are no extravagant introductory offers here. There are no rewards points to earn, and there are no fancy features to enjoy. This is a simple card. But, as long as simple is what you want, there’s not much to complain about with the Australian Unity Low Rate Credit Card. It’s a basic card that provides access to credit, alongside money-saving capability.

    Why should you choose this card?

    If you tend to carry a balance on your card, choosing one with a low rate could help you save on interest as you pay down what you owe. As the Australian Unity Low Rate Credit Card has one of the lowest purchase rates on the market, this could make it a fantastic choice for anyone looking to keep interest payments as low as possible.

    If you choose this card, you can obviously keep costs low with a low annual fee, and even save some money on health insurance as well. But, while it may keep its features simple, that doesn’t mean it’s completely lacking in extras. As a cardholder, you can benefit from all the security features that come with it being a Visa card, including Verified by Visa.

    You can also enjoy faster transactions at the checkout with contactless payment capability, and if you want to sync your card to your device, you can do so via Apple Pay, Samsung Pay or Google Pay. In terms of account access, this can be achieved in a number of ways, including the Australian Unity app, which allows you to put a temporary block on your card if it goes missing, among other features.

    Overall Rating

    Appealing to money-savers, the Australian Unity Low Rate Credit Card has one of the lowest ongoing purchase rates you’ll find, as well as a low annual fee, up to 45 days interest free on purchases and up to 10% off Australian Unity health insurance.

    User reviews

    Australian Unity Low Rate Credit Card ( based on 1 Creditcard.com.au user review )

    49% rating based on 1 review

    Rates
    Fees
    Rewards
    Customer Service
    Value

    Rates and fees

    Interest rates



    Purchase rate 9.90% p.a.

    Cash advance rate 18.99% p.a.

    Interest free period on purchases up to 45 days

    Credit limits

    Minimum credit limt $500

    Maximum credit limit N/A

    Fees & repayments

    Annual fee $59 p.a.

    Additional card holder fee Up to 4 at $0 p.a.

    Foreign transaction fee N/A

    Minimum repayment

    Cash advance fee N/A

    Late payment fee $10

    Additional features

    Complimentary insurance

    International Travel Insurance No

    Flight Inconvenience Insurance No

    Transit Accident Insurance No

    Smartphone Screen Insurance No

    Purchase Protection Insurance No

    Extended Warranty Insurance No

    Rental Vehicle Excess In Australia Insurance No

    Extras

    Eligible with Apple, Samsung and Google Pay

    Overview

    Australian Unity Low Rate Credit Card

    The Australian Unity Low Rate Credit Card has up to 45 days interest free on purchases, a low annual fee of $59 and a competitive 9.90% p.a. on purchases.

    Key features

    • Annual fee of $59
    • 9.90%p.a. on purchases
    • 18.99%p.a. on cash advances
    • Up to 45 days interest-free on purchases
    • Minimum credit limit from $500

    Minimum criteria to apply for this card

    • Be over 18 years old

    • Good Credit and have not applied for multiple credit cards recently

    • Resident or citizen of Australia

    • You have your personal details ready to complete the online application

    Roland B Bleyer

    Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

    Recently Asked Questions

    Something you need to know about this card? Ask a our credit card expert a question.

    Showing one question (showing the latest 10 Q&As)

    cindy

    cindy

    15 May 2019
    Hi Roland, could you please tell me what the minimum monthly repayment is? Thanks
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      16 May 2019
      Hi Cindy, the minimum monthly repayment amount is 3%

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