Education Community Credit Card
Our Education Community Credit Card includes no annual fee, a 0% pa introductory rate for the first six months on purchases, balance transfers and cash advances as well as a low ongoing interest rate after the first 6 months. You’ll have the ability to make fast payments with Google Pay, Apple Pay, Samsung Pay, Garmin Pay and Visa payWave. It’s also highly secure, with microchip technology, 24/7 fraud monitoring, Visa’s Zero Liability policy and Visa Secure for online purchases from participating merchants and payWave. You’ll also be able to temporarily lock your card (if you misplace it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking. This is exclusive to current or retired employees of the South Australian education community, students carrying out studies in education, and their eligible immediate family members.
- Purchase rate
- 11.49%
- Cash advance
- 11.49%
- Foreign transaction fee
- 3.00%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | Interest only | — | — | 11.49% | 0.00% | — |
| Introductory | Interest only | 6 mo intro | — | 0.00% | 0.00% | — |
| Purchase | Interest only | — | — | 11.49% | 0.00% | — |
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears | Event | $15 | — | — |
| Currency Conversion | Event | 3.00% of transaction | — | — |
| Lost VISA Card | Event | $10 | — | Payable when you lose or misplace your VISA Card and we need to order you a new card |
| Education Community Credit Card Periodic | Periodic | No fee | — | — |
| Transaction | Transaction | No fee | — | — |
- · Round-ups (destination account)
- · Lock, block and control your card
- · Business Banking can be attached to the product
- · Minimum age 18
- · Residency: Australian citizen or permanent resident
- · Amount $1,000 to $20,000
- · Knowledge Counts Banking Benefits members and students carrying out studies in education and eligible family members (these are parents, children, grandparents, grandchildren, siblings and partners o…
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Published by Credit Union SA under the Consumer Data Right, last changed by them on 29 June 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.