Unity BankLow Rate Visa Credit Card
Our award-winning Low Rate Visa Credit Card features one of the lowest ongoing purchase rates in the market. And with up to 50 days interest free and a low annual fee, it all adds up to great value.
At a glance
- Purchase rate
- 7.49%
- Cash advance
- 15.49%
- Interest-free days
- 50
- Annual fee
- $50
- Foreign transaction fee
- 3.00%
- Balance transfer
- 0.00%
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.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 7.49% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | Lowest of 51 |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 50 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 34th longest of 42 |
Rates
Every rate Unity Bank publishes for this credit card, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferCalculated daily, charged monthly. | - | - | - | 0.00% | - | - |
| Cash advanceCalculated daily, charged monthly. | - | - | - | 15.49% | - | - |
| PurchaseCalculated daily, charged monthly. | - | - | - | 7.49% | - | - |
Fees
11 fees published, grouped by when they're charged.
While you hold it2
- ANNUAL_CREDIT_CARD_FEE_-_LOW_RATE
An annual fee charged for Low Rate Visa Credit Card product
$50 a year - CREDIT_CARD_STATEMENT_FEE_-_GCMB
A fee charged to cover the cost of producing and sending paper statements
$2 a month
When you make a transaction7
- INWARD_RTGS_AND_SWIFT_PAYMENT_FEE
A processing fee charged when you receive funds through this channel
$10 - _FOREIGN_CURRENCY_CONVERSION_FEE
Foreign currency conversion fee charged on transaction value in AUD (overseas transactions)
3.00% of transaction - ATM_INSUFFICIENT_FUNDS
A fee charged if you don't have enough money in your account for an ATM withdrawal
$1 - EFTPOS_DECLINE_FEE
A fee charged if you don't have enough money in your account for an EFTPOS transaction
$1 - QUICKDEBIT_DISHONOUR_FEE
A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you
$20 - VISA_CASH_ADVANCE_FEE
A fee charged for cash advances and overseas transactions will attract an additional currency conversion fee
$4 - OUTWARD_RTGS_PAYMENT_FEE
A Processing fee charged when you require funds to be sent straight away
$30
When particular things happen2
- LATE_PAYMENT_FEE
A fee charged when you don't make your minimum monthly payment, plus any overdue amount
$15 - EMERGENCY_CASH/CARD_VISA_CREDIT
Third party fee charged when you need an emergency replacement card delivered to you (fee is charged at cost)
No fee
Features
- Securely lock your debit card in the Mobile App while you look for it and unlock it again when you find it
- Cards made from 82% recycled PVC
- Find the digital version of your card via the Mobile App before your physical card arrives in the mail.
- Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets.
- Minimum monthly repayment is the greater of 3% of the amount of the closing balance, or $20
Eligibility and limits
- Minimum age 18
- Residency: PERMANENT RESIDENT
- Available to individuals
- Amount $1,000 to $75,000
- Opening balance $1,000
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Published by Unity Bank under the Consumer Data Right, last changed by them on 14 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.