Unity Bank Credit Cards

Unity Bank is a member-owned bank with a strong history and focus on the maritime, mining and power industries. It offers two credit cards with simple, cost-effective features and one rewards credit card with premium benefits-Unity Bank Low Rate Visa Credit Card, Unity Bank Low Rate Business Credit Card and Unity Bank Platinum Visa Credit Card.

Compare Unity Bank Credit Cards

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Purchase rate p.a. (low-high)Purchase rate p.a. (high-low)Bonus points (low-high)Bonus points (high-low)Points per $ spent (low-high)Points per $ spent (high-low)Interest-free period (low-high)Interest-free period (high-low)Balance transfer rate p.a. (low-high)Balance transfer rate p.a. (high-low)Annual fee (low-high)Annual fee (high-low)

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Unity Bank Low Rate Business Credit Card	Purchase rate p.a. 12.49%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 50 days on purchases	Balance transfer rate p.a. N/A	Annual fee $50	Continue Compare	Get a 12.49% p.a. interest rate for purchases and up to 5 cards linked to the account.
Unity Bank Platinum Visa Credit Card Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points 30,000	Points per $ spent 1	Interest-free period Up to 50 days on purchases	Balance transfer rate p.a. N/A	Annual fee $299	Continue Compare	Earn 30,000 bonus Qantas Points when you spend $5,000 within the first 90 days, plus an additional 10,000 points per year.
Unity Bank Low Rate Visa Credit Card	Purchase rate p.a. 7.49%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 50 days on purchases	Balance transfer rate p.a. N/A	Annual fee $50	Continue Compare	Offers a very low purchase rate, up to 50 days interest-free on purchases and a competitive annual fee.

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Types of Unity Bank credit cards

• Low rate credit card

The Unity Bank Low Rate Visa Credit Card has a 7.49% p.a. interest rate for purchases – one of the lowest on the market. It has a $50 annual fee that is also competitive with other low rate cards and offers worldwide acceptance through the Visa card network. If you're looking for other features or want to see how much you could save with a different card, it's worth comparing this card with other low rate credit cards to find one that works for you.

• Platinum credit card

The Unity Bank Platinum Visa Credit Card is designed for those seeking premium benefits. It offers an annual 10,000 bonus Qantas Points, travel perks and added security features. With competitive rates and rewarding benefits, it's ideal for frequent travellers and high spenders.

• Business credit card

The Unity Low Rate Business Credit Card is suited to small and medium-sized businesses, including sole traders. It offers a low interest rate for purchases and a relatively low annual fee. You can also have 5 cards linked to the account if you want to use it to track employee spending and expenses.

Benefits of a credit card from Unity Bank

• Visa benefits

Unity Bank credit cards can be used to pay in over 200 countries and regions around the world, anywhere Visa cards are accepted. You'll also get access to exclusive shopping, dining, travel and entertainment deals through Visa Offers + Perks.

• Contactless payments

You can add a Unity Bank credit card to Apple Pay, Google Pay, and Samsung Pay to shop straight from your mobile phone or device.

• 24-hour banking

The Unity Bank app and internet banking services give you a way to check your credit card balance, make payments and manage other features of your account at any time. You can also use phone banking at any time by calling 1300 36 2000 or visit a branch during office hours.

How to apply

You can apply for a Unity Bank credit card online by completing a secure application form on the bank's website. To get started, make sure you meet the eligibility criteria and have all the documents and details needed for the application.

• Australian residency status. You must be an Australian citizen or permanent resident.
• Credit history. Your credit history should be clear as you can't be an undischarged bankrupt. If you're not sure what's on your credit history, you can get a free copy of your credit report and score through Finder.
• Age. You must be at least 18 years of age.

Required documents

• Personal details. Includes your full name, date of birth, marital status, number of dependents and contact details. You also need to provide proof of ID, such as your passport, driver’s licence or Medicare card details.
• Employment details. This covers your occupation, employment status, employer’s name, employment address and length of employment.
• Income. Provide details of income from all sources.
• Monthly expenses. Provide details about rent, mortgage payments, loan payments, credit card payments, and other ongoing expenses for food, bills, transportation, and so on.
• Assets. Assets include equity in home, vehicles, household goods, savings, term deposits, and superannuation.

If you’re not an existing Unity Bank member, you’ll have to become one if you're approved for this card. You’ll also have to complete an identity verification process, which might require you to visit a Unity Bank branch.

If you have any questions about the application, you can contact Unity Bank by calling 1300 36 2000.

Credit card brands similar to Unity Bank

If you want a credit card from a member-owned bank, here are 3 other credit card providers you could compare with Unity Bank:

• Bank Australia credit cards
• Bank of Sydney credit cards
• Heritage Bank credit cards

Frequently asked questions

• Can I get an additional card?

  If you want to share your Unity Bank credit card with a family member or someone else, you can request an additional card by filling in an application form on the website or in a branch. There is no additional cardholder fee but you will still be responsible for managing repayments and all other aspects of the account.

• What is the credit limit?

  The Unity Bank Low Rate Visa Card has a minimum credit limit of $1,000 and a maximum limit of $75,000.

• How can I make repayments?

  You can make your card repayments by payroll deduction, direct debit from your savings or transaction account, Internet banking transfer, at any branch. Your credit card statement will show the minimum repayment amount and due date, so make sure you factor in enough time for a payment to be processed.

• What should I do if I lose my card?

  To report a lost or stolen card, you should call Unity Bank on 1300 36 2000 (8am to 7pm AEST, Monday - Friday). If you’re calling after business hours, call the Visa toll-free number on 1800 450 346.

Contact details and related links

• Unity Bank phone number: 1300 36 2000
  8am to 7pm (AEST), Mon-Fri
• Unity Bank home loans

Compare other products from Unity Bank

• Unity Bank home loans

Written by

Amy Bradney-George

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

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