The Finance Algorithm
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Credit Card

Use your credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.

Credit cardsBank updated 9 Sept 2026
Apply at UniBank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
11.50%
Cash advance
11.50%
Interest-free days
55
Foreign transaction fee
2.90%
Balance transfer
7.90% for 6 mo
Visa Credit

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 11.50%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers11.50%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions14th lowest of 51
Interest-free daysDays without interest on purchases when the balance is paid in full55 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions2nd longest of 42, level with 30 others

Rates

Every rate UniBank publishes for this credit card, 5 in all.

TypeApplies toTermBandRateComparisonConditions
Balance transfer-6 mo intro-7.90%--
Balance transfer-7 mo intro-11.50%--
Cash advanceCash advance interest rate applies to the amount of cash or its equivalent that is withdrawn or transacted from a credit card account.---11.50%--
IntroductoryIntroductory interest rate applies to balance transfer and purchase transactions for the first 6 months from the date of the Letter of Offer.-6 mo intro-7.90%--
PurchasePurchase interest rate applies to the amount of any transaction with a merchant made on a credit card account.---11.50%--

Fees

6 fees published, grouped by when they're charged.

When you make a transaction3

  • CASH_ADVANCES_FEE

    Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost).

    $4
  • ATM_WITHDRAWALS_OVERSEAS
    $4
  • INTERNATIONAL_CONVERSION_FEE

    2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using yo…

    2.90% of transaction

If a payment is late or fails1

  • LATE_PAYMENT_FEE

    Payable by debit to your account when the minimum payment on a Credit Card account is not received by the due date. Charged once per statement period.

    $10

When particular things happen2

  • CARD_REPLACEMENT_FEE

    Payable when you request a replacement card.

    $10
  • DEFAULT_NOTICE_FEE

    Payable when we send you a default notice asking you to remedy a default under your credit contract.

    $25

Features

Digital bankingBalance transfers55 interest-free daysApple PayGoogle PaySamsung Pay
  • Special Introductory Rate for first 6 months.
  • No application fee
  • No annual fee

Eligibility and limits

  • Minimum age 18
  • Residency: Individuals must be citizens or permanent residents of Australia.
  • Amount $1,000 to $25,000
  • You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders…
  • All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or from any of our offices.

Published by UniBank under the Consumer Data Right, last changed by them on 9 Sept 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.