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Hunter United Low Rate Visa Credit Card
Hunter United Low Rate Visa Credit Card

Hunter United Low Rate Visa Credit Card

Updated 26 November 2019

Purchase Rate (p.a)

11.99%

Balance Transfer (p.a)

11.99% for 12 months No BT fee. reverts to 11.99% p.a.

Annual Fee (p.a)

$59

$0 over 12 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 11.99% p.a. interest rate on purchases
  • Up to 55 days interest free on purchases
  • $59 annual fee

  • No introductory balance transfer offer

Creditcard.com.au review

Editor Review

Hunter United Low Rate Visa Credit Card

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

The Hunter United Low Rate Visa Credit Card

Offering a basic, no frills option, the Hunter United Low Rate Visa Credit Card has a low ongoing purchase rate, helping cardholders who carry a balance to keep interest costs down. Cardholders can also benefit from a low annual fee and up to 55 days interest free on purchases, with discounts available to cardholders who also have a Hunter United home loan.

What we love...

As you may have surmised from its name, the Hunter United Low Rate Visa Credit Card is a low rate card. Why would you need a low rate card? If you carry a balance on your card, that balance will attract interest at the card’s purchase rate. To keep costs as low as possible, you can choose a card with a nice, low purchase rate. Which is exactly what this card offers.

The Hunter United Low Rate Visa Credit Card has a low ongoing purchase rate, and a slightly higher cash advance rate. But, if you happen to be a Hunter United home loan customer, you can enjoy a discounted rate on both purchases and cash advances. By packaging these products together, you could save big on interest.

But, this card doesn’t just work well for cardholders who carry a balance. It can also be a great option for anyone who clears their balance month to month. By taking advantage of the card’s interest free feature, you can benefit from up to 55 days interest free on purchases, helping you save on well-timed larger purchases, as well as everyday card spending.

And the card’s annual fee? While it may not be the lowest annual fee, it is pretty reasonable. You may find cards with similar features offering lower annual fees, as well as ones with higher annual fees. It’s up to you to work out how much saving you can do elsewhere – in interest – to figure out whether this card and its annual fee provides value to you.

What’s not so great...

As we said, this is a no frills card. That means you will not find any fancy features, and you will not earn rewards on your spending. What you will find is a low purchase rate, which is designed to save you money. If you need to save money, this should come first – and features and rewards should come second.

However, if you clear your balance and don’t mind paying a higher annual fee, you may choose to look at other options with more features on offer.

Why should you choose this card?

By choosing a card from Hunter United, you become part of a mutual. Mutuals are set up to benefit their members. Typically, this means offering lower fees and better rates than bigger banks, backed by more personalised customer service. The Hunter United Low Rate Visa Credit Card is a good example of what a mutual can offer, providing low rates and a low annual fee.

If you tend to carry a balance, this card could help you to save on interest. This should have the knock-on effect of allowing you to pay off more of your balance, to clear it faster. You may also choose this card if you are living on a lower income. To be eligible for this card, you must have a minimum annual income of $15,000 after tax for retirees, and $25,000 after tax for non-retirees.

Overall Rating

A worthy option for cardholders looking to save on interest, the Hunter United Low Rate Visa Credit Card offers a low purchase rate and low annual fee, with discounts available for Hunter United home loan customers.

User reviews

Hunter United Low Rate Visa Credit Card ( based on 1 Creditcard.com.au user review )

43% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 11.99% p.a.

Cash advance rate 16.99% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 11.99% p.a. for 12 months

Balance transfer revert rate 11.99% p.a.

Balance transfer from personal loan N/A

Balance transfer fee No fee

Balance transfer limit N/A

Banks you can't balance transfer from Hunter United

Credit limits

Minimum credit limt $1,000

Maximum credit limit $30,000

Fees & repayments

Annual fee $59 p.a.

Additional card holder fee N/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

Overview

Hunter United Low Rate Visa Credit Card

Key features

  • 11.99% p.a. interest rate on purchases
  • Up to 55 days interest free on purchases
  • $59 annual fee

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • Permanent Resident or Australian Citizen

  • 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.

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