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 has one credit card, the Unity Bank Visa, which offers a low interest rate, balance transfer promotion and can be added to Apple Pay, Google Pay or Samsung Pay.

Compare Unity Bank Credit Cards

Name	Purchase rate p.a.	Annual fee	Balance transfer rate p.a.	Amount Saved
Unity Bank Visa Card	Purchase rate p.a. 7.74% for 6 months, then 13.49%	Annual fee $0 first year ($60 after)	Balance transfer rate p.a. 7.74% for 6 months with 0% balance transfer fee	Amount saved $238.46 over 6 months	ContinueMore Info Compare	Offers 7.74% p.a. for the first 6 months on purchases and balance transfers (no BT fee). Plus, an annual fee waiver in the first year.

loading

Types of Unity Bank credit cards

• Low rate credit card

The Unity Bank Visa Card offers a low introductory rate of 7.74% p.a. for the first 6 months, which goes to 13.49% p.a. after that. Both these rates are low in comparison to the average credit card interest rate in Australia of around 20%. Its $60 annual fee is also competitive with other low rate credit cards. While it offers an introductory balance transfer rate and digital wallets, the rest of its features are relatively basic.

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 Visa Card has a minimum credit limit of $1,000 and a maximum limit of $30,000.

• 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

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise

Amy has written 565 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability