- Low 7.49% p.a. ongoing rate
- Up to 50 days interest free on purchases
- $50 annual fee
- Free additional card
- Eligible with Apple Pay, Google Pay and Samsung Pay
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Unity Bank Credit Cards
Unity Bank Low Rate Visa Credit Card
Updated 20 July 2025
Save with a low ongoing rate of 7.49% on purchases and a $50 annual fee for the first year. Plus, receive up to 50 days interest free each month on all new purchases and add an extra cardholder for free. T&Cs apply.
Purchase Rate (p.a)
7.49%
Annual Fee (p.a)
$50
Pros and cons
- There are lower introductory offers out there
Creditcard.com.au review
Editor Review
Unity Bank Low Rate Visa Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The Unity Bank Visa Credit Card
The Unity Bank Visa Credit Card is a straightforward, low-cost credit card designed to help you save money in the long run. It features a competitive ongoing purchase rate of 7.49% p.a., up to 50 days interest-free on purchases, a reasonable annual fee, and no additional cardholder fee.
What we love...
Looking for a simple way to save on your credit card? The Unity Bank Visa Credit Card offers value through its low purchase rate and practical features. With no additional cardholder fees and a modest annual fee, it provides a cost-effective solution for everyday spending.
It can be a handy option if you tend to carry a balance, allowing you to reduce the amount of interest you pay compared to higher-rate cards. And if you pay your balance in full each month, you can benefit from up to 50 days interest-free on purchases (note: this feature does not apply to accounts with an active balance transfer).
Adding another user? You can include an additional cardholder at no extra cost—great for sharing access while managing expenses efficiently.
What’s not so great...
While it’s certainly nice to save on interest with that intro offer, it may not be the lowest intro rate you can find. There may be 0% offers that could help you save more – but with those offers, it’s important to look at what the rate reverts to, how much the card would cost overall, and its suitability over the long term.
Why should you choose this card?
If you’re after a no-frills credit card that covers the essentials, the Unity Bank Visa Credit Card could be just what you need. It’s designed for those who want access to credit with no complex features to worry about—or pay for.
You’ll enjoy the convenience of the global Visa network, with widespread acceptance at merchants and ATMs worldwide. Plus, it’s compatible with Apple Pay, Samsung Pay, and Google Pay, making contactless payments easy and secure. You’ll also have access to Unity Bank’s service and support, including phone and online banking.
Overall Rating
The Unity Bank Visa Credit Card stands out as a practical, budget-friendly option. With a low purchase rate, reasonable annual fee, and useful features, it’s a solid choice for those seeking simplicity, reliability, and long-term savings.
User reviews
Rates and fees
Interest rates
Purchase rate 7.49% p.a.
Cash advance rate 15.49% p.a.
Interest free period on purchases up to 50 days
Balance transfer
Balance transfer rate % p.a.
Balance transfer revert rate 15.49% p.a.
Balance transfer from personal loan N/A
Balance transfer fee No fee
Balance transfer limit N/A
Brands you can't balance transfer from Unity Bank
Credit limits
Minimum credit limit $1,000
Maximum credit limit $75,000
Fees & repayments
Annual fee $50 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 3% or $20.00 (whichever is greater)
Cash advance fee N/A
Late payment fee N/A
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
Unity Bank Low Rate Visa Credit Card
Unity Bank’s Visa Credit Card offers solid value with a low ongoing purchase rate of 7.49% p.a. You’ll get up to 50 days interest-free on new purchases, a free additional cardholder, and compatibility with Apple Pay, Google Pay, and Samsung Pay. A $50 annual fee applies. T&Cs apply.
Key features
- 7.49% p.a. on purchases and balance transfers for the first 6 months
- Low 15.49% p.a. ongoing rate
- Up to 50 days interest free on purchases
- $50 annual fee
- Free additional card
- Eligible with Apple Pay, Google Pay and Samsung Pay
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
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Permanent Resident or Australian Citizen
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
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