UNITY BANK
Low Rate Visa Credit Card
UNITY BANK · cred and chrg cards
Provider last updated this product 2026-09-14.
Our award-winning 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 | 15.49% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Calculated daily, charged monthly. | |||||||
| PURCHASE | 7.49% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Calculated daily, charged monthly. | |||||||
| BALANCE TRANSFER | 0.00% | - | 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) |
| ANNUAL_CREDIT_CARD_FEE_-_LOW_RATE | PERIODIC | $50 | An annual fee charged for Low Rate Visa Credit Card product |
| CREDIT_CARD_STATEMENT_FEE_-_GCMB | PERIODIC | $2 | A fee charged to cover the cost of producing and sending paper statements |
| LATE_PAYMENT_FEE | EVENT | $15 | A fee charged when you don't make your minimum monthly payment, plus any overdue amount |
| 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) |
| 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) | 0.00% |
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 Mobile 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
- min age - 18
- residency status - PERMANENT RESIDENTYou must be an Australian resident
- natural person
Limits
- opening balance - 1000.00
- max limit - 75000.00
- 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: 2026-09-14T10:49:01.000+10:00 · Product ID: S80_LOW_RATE_CREDIT_CARD