UniBank Credit Cards

Compare the features of UniBank’s Visa credit card, including a low interest rate and no annual fee ever.

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By

Amy Bradney-George

Updated

Fact checked
UniBank

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Key takeaways

  • UniBank offers a single Visa credit card account with simple, low-cost features and contactless payment options.
  • As the name suggests, UniBank accounts are designed for people who study or work at Australian universities and you need to be a member to apply.
Updated regularly
Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
UniBank Credit Card image
UniBank Credit Card
Purchase rate p.a.
7.9% for 6 months, then 11.5%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
7.9% for 6 months
with 0% balance transfer fee
Annual fee
$0
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Benefits of banking with UniBank

If you're interested in becoming a UniBank member and getting this credit card, some of the features you'll get include:

Contactless payments

The UniBank Visa credit card lets you tap-to-pay at the checkout. You also have the option of paying from your mobile phone or other device with Apple Pay, Google Pay or Samsung Pay.

Visa benefits

This Visa card gives you access to offers on shopping, entertainment, travel and more through Visa Offers + Perks. It also comes with a zero liability policy to help protect you against fraudulent transactions, plus extra security when you shop online through the Visa Secure verification service.

Ethical banking initiatives

UniBank is carbon neutral and does not lend money to the fossil fuel industry. It puts profits back towards the education sector and is committed to not making any donations to political candidates or organisations. In addition, it has clear guidelines and reporting standards for social responsibility, including independent certification through the Responsible Investment Association Australasia (RIAA) for a range of its products.

How to apply for a UniBank credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Sources

Amy Bradney-George's headshot
Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise
Amy has written 494 Finder guides across topics including:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability
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