Our verdict

Enjoy a $0 annual fee, 0% introductory rate for 6 months on this low-cost card for education students and workers in SA.

The Credit Union SA Education Community credit card is a low-cost Visa that’s only available for people working in the education community or studying to do so. If you get this card, you’ll pay no interest on purchases, balance transfers or cash advances for the first 6 months, which could help you save on interest charges if you have big-ticket items to buy.

After the introductory period, a variable rate of 11.49% p.a. applies to all transactions – which is very competitive among low rate credit cards. You can also get up to 55 days interest-free on purchases if you pay your account balance in full by the due date on each statement.

Pros

Ongoing $0 annual fee
0% p.a. interest on purchases, balance transfers and cash advances for 6 months (reverts to 11.49% p.a.)
Compatible with Google Pay, Apple Pay, Samsung Pay

Cons

No rewards program

The Credit Union SA Education Community credit card offers an introductory 0% p.a. interest rate for purchases, balance transfers and cash advances for the first 6 months. This reverts to a low variable rate of 11.49% p.a. for all transactions.

Along with no annual fee, this card offers interest-free days on purchases and contactless mobile payments.

Details

Product details

Product Name	Credit Union SA Education Community Credit Card
Balance transfer rate p.a.	0% for 6 months, then 11.49%
Purchase rate p.a.	Purchase rate p.a. 0% for 6 months, then 11.49%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	11.49%
Min credit limit	$1,000
Card type	Visa

Eligibility

Available to temporary residents	No
Joint application	No

Rewards

Bonus points

N/A

Fees

Annual fee	Annual fee $0
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Foreign currency conversion fee	Foreign currency conversion fee 3%
Overseas ATM withdrawal fee	$0

How to apply

You can apply for the Credit Union SA Education Community credit card online by filling in a secure application form. You can also apply by visiting the Adelaide branch (400 King William St) or by calling 13 8777 from metro areas or 1800 018 227 from country SA.

To get started, make sure you meet the following eligibility criteria and have all the documents and details you need to complete the application.

Eligibility criteria

Education worker or student. To get this card, you must be employed in the South Australian education sector or be studying to work in education in SA.
Australian residency status. You must be an Australian citizen or permanent resident.

Income. You must get a regular income.
Age. You must be at least 18 years of age.

Required documents

Personal information. This includes your full name, date of birth, residential address, contact information and a valid form of ID, such as your driver's licence, passport or Medicare card details.
Employment information. As well as your salary, you should include details of your job title, length of employment and your employer's contact details. You may also need to provide recent payslips or other documents that help verify this information.
Financial details. This covers any other forms of income, savings, assets and your existing loans, credit cards or other debts. You also need to estimate your share of regular, essential expenses such as rent or mortgage payments, utility bills and groceries.

Card benefits

0% p.a. for 6 months. The Credit Union SA Education Community credit card offers an introductory interest-free period for the first 6 months. This 0% p.a. rate applies to purchases, balance transfers and cash advances made during the introductory period. Any balance left over at the end of this period will attract the card's variable rate of 11.49% p.a.
$0 annual fee. This card gives you no annual fee for life, which can help keep your credit card costs down.

Interest-free days. If you pay your card's closing balance in full by the due date on each statement, you'll get up to 55 days interest-free for purchases. Check out this guide for more details about how interest-free days work.
Mobile wallets. You can add this card to your account with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay or Garmin Pay, then make payments straight from your mobile device.
Visa benefits. You can use this card to pay in stores, online or over the phone anywhere Visa is accepted. In stores, you can tap and pay (or use your mobile), while online you'll get the added protection of Visa Secure verification. You also get zero liability for fraudulent transactions, plus access to exclusive shopping, dining, travel and entertainment deals through Visa Offers + Perks.

Rates and fees

Interest rates. Outside of any promotion, this card has an ongoing variable interest rate of 11.49% p.a., which is competitive with other low rate cards.
Currency conversion fee. A fee of 3% applies for transactions made overseas or online in a foreign currency.

Account management. Check your account balance, temporarily lock your card and manage other details through Credit Union SA Internet or mobile banking.

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Amy Finder

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Ian Short

December 02, 2023

Retired for a number of years & receive an annual fully indexed State Govt pension as well as a part Centrelink pension. My wife also enjoys the same Centrelink pension. We have bank funds, a fully unencumbered home with no liabilities . I have a Mastercard in my name on which my wife (signatory) uses frequently. Because of my age (mid 80’s) think it necessary to obtain a credit card in her name solely, as in the event of my death my Mastercard will be frozen/stopped which will necessitate unnecessary problems/delays. Any suggestions??

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Amy Bradney-George Finder

December 04, 2023

Hi Ian,

Please be aware Finder only provides general advice and factual information. For this type of situation, it may be worth contacting the bank or lender that you and your wife currently have a relationship with to find out if they have any options available. Finder also has a guide on credit cards for pensioners which may provide further insights and options to consider. I hope this helps.

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Cecilia

October 11, 2023

Is this the best card for a senior

Amy Bradney-George Finder

October 27, 2023

Hi Cecilia,

There isn’t a single best credit card for seniors because everyone has different circumstances. But features such as low rates, low or $0 annual fees and low credit limits may make it easier to manage a card and avoid high costs or debt. If you want to compare a wider range of cards, Finder has a guide to credit cards for retirees that may be useful. You could also contact Credit Union SA if you have questions about this particular card. I hope this helps.

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Credit Union SA Education Community credit card

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Cons

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Eligibility criteria

Required documents

Card benefits

Rates and fees

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