Credit Union SA
Education Community Credit Card
Credit Union SA · cred and chrg cards
Provider last updated this product 2026-06-29.
Our Education Community Credit Card includes no annual fee, a 0% pa introductory rate for the first six months on purchases, balance transfers and cash advances as well as a low ongoing interest rate after the first 6 months. You’ll have the ability to make fast payments with Google Pay, Apple Pay, Samsung Pay, Garmin Pay and Visa payWave. It’s also highly secure, with microchip technology, 24/7 fraud monitoring, Visa’s Zero Liability policy and Visa Secure for online purchases from participating merchants and payWave. You’ll also be able to temporarily lock your card (if you misplace it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking. This is exclusive to current or retired employees of the South Australian education community, students carrying out studies in education, and their eligible immediate family members.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| INTRODUCTORY | 0.00% | 0.00% | OTHER | INTEREST ONLY | 6 months | - | calculated daily, paid monthly |
| PURCHASE | 11.49% | 0.00% | OTHER | INTEREST ONLY | - | - | calculated daily, paid monthly |
| CASH ADVANCE | 11.49% | 0.00% | OTHER | INTEREST ONLY | - | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Education Community Credit Card Periodic | PERIODIC | $0 | - |
| Transaction | TRANSACTION | $0 | - |
| Arrears | EVENT | $15 | - |
| Currency Conversion | EVENT | 3.00% | - |
| Lost VISA Card | EVENT | $10 | Payable when you lose or misplace your VISA Card and we need to order you a new card |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-08-09 | 2026-09-30 (current) | 0.00% | 0.00% |
Published figures as captured daily since 2026-08-09. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Round-ups (destination account)
- Lock, block and control your card
- Business Banking can be attached to the product
Who can apply
- min age - 18
- otherKnowledge Counts Banking Benefits members and students carrying out studies in education and eligible family members (these are parents, children, grandparents, grandchildren, siblings and partners only), as part of the Knowledge Counts Banking Benefits offered by Credit Union SA.
- residency status - Australian citizen or permanent resident
Limits
- min limit - 1000.00
- max limit - 20000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-06-29T00:00:00.000+10:00 · Product ID: CREDITUNIONSA_OD_550