UNITY BANK
Business - Low Rate Credit Card
UNITY BANK · cred and chrg cards
Provider last updated this product 2026-09-30.
Go to provider
You'll complete your application on
UNITY BANK's website. Confirm the rate and fees with them
before applying.
Our Business Low Rate Visa Credit Card features one of the lowest ongoing purchase rates in the market. And with up to 50 days interest free and a low annual fee, it all adds up to great value.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 19.49% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Calculated daily. Charged monthly | |||||||
| PURCHASE | 12.49% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Calculated daily. Charged monthly | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| EMERGENCY_CASH/CARD_VISA_CREDIT | REPLACEMENT | $0 | Third party fee charged when you need an emergency replacement card delivered to you (fee is charged at cost) |
| LATE_PAYMENT_FEE | EVENT | $15 | A fee charged when you don't make your minimum monthly payment, plus any overdue amount |
| CREDIT_CARD_STATEMENT_FEE_-_GCMB | PERIODIC | $2 | A fee charged to cover the cost of producing and sending paper statements |
| EFTPOS_DECLINE_FEE | TRANSACTION | $1 | A fee charged if you don't have enough money in your account for an EFTPOS transaction |
| ATM_INSUFFICIENT_FUNDS | TRANSACTION | $1 | A fee charged if you don't have enough money in your account for an ATM withdrawal |
| OUTWARD_RTGS_PAYMENT_FEE | WITHDRAWAL | $30 | A Processing fee charged when you require funds to be sent straight away |
| INWARD_RTGS_AND_SWIFT_PAYMENT_FEE | DEPOSIT | $10 | A processing fee charged when you receive funds through this channel |
| _FOREIGN_CURRENCY_CONVERSION_FEE | TRANSACTION | 3.00% | Foreign currency conversion fee charged on transaction value in AUD (overseas transactions) |
| ANNUAL_CREDIT_CARD_FEE_-_BUSINESS_LOW_RATE | PERIODIC | $50 | An annual fee charged for the Low Rate Business Credit Card product |
| QUICKDEBIT_DISHONOUR_FEE | TRANSACTION | $20 | A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you |
| VISA_CASH_ADVANCE_FEE | TRANSACTION | $4 | A fee charged for cash advances and overseas transactions will attract an additional currency conversion fee |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-17 | 2026-09-30 (current) | 12.49% |
Published figures as captured daily since 2026-07-17. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Securely lock your debit card in the GCMB App while you look for it and unlock it again when you find it
- Cards made from 82% recycled PVC
- Find the digital version of your card via the Mobile App before your physical card arrives in the mail.
- Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets.
- Minimum monthly repayment is the greater of 3% of the amount of the closing balance, or $20
Who can apply
- business
- residency status - Must be an Australian Citizen or permanet residentBusiness must be registered within Australia
- min age - 18
Limits
- opening balance - 1000.00
- max limit - 100000.00
- min limit - 1000.00
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: 2026-09-30T10:27:11.000+10:00 · Product ID: S79_BUSINESS_LOW_RATE_CREDIT_CARD