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Visa credit card

Many credit cards seduce with a low introductory rate on balance transfers, before charging excessive rates when you start making purchases or cash advances. Not so with the Credit Union SA Visa credit card.

After the first 6 months of 0% pa on balance transfers, you’ll still enjoy one of the lowest ongoing interest rates in Australia – currently 10.49% pa – with the same low rate applying for all purchases and cash advances.

It’s also highly secure, with microchip technology, 24/7 fraud monitoring, Visa’s Zero Liability policy and Verified by Visa for online purchases from participating merchants and payWave comes standard.

Apply now Call us 8202 7777 


0% pa^ balance transfer service

Available any time for new or existing accounts and pay no balance transfer fee.

Low $39 annual fee

No Annual Fee on any Visa Credit Card when linked to a Home Loan Package

No ATM withdrawal fees*

Includes overseas ATM withdrawals.

Up to 55 days interest-free on purchases1

Simply clear your closing balance on time each month.

Interest rates and fees

Product Name Interest Rate
Visa Credit Card 10.49% pa
Fee Amount
Visa Credit Card Annual Fee
Visa Credit Card Annual Fee$39
ATM Withdrawal Fee (Australia and Overseas)
Credit Union SA does not charge for ATM withdrawals*.$0

Want to do more with your money?

Our Access Account is our fee free account with 24/7 banking, Apple Pay, Google Pay™ and Samsung Pay. Plus access over 3,300 rediATMs nationwide.

Access your own money with all the benefits of Visa.

Looking for a savings account that delivers great interest no matter how many deposits or withdrawals you make? Our Netsave Account ticks every box.

We offer fixed rate or variable personal loans for renovations, holidays, weddings, and cars, with flexible loan terms and repayment options available.

^Rate reverts to 10.49%pa variable rate after 6 month balance transfer period. Interest rates are subject to change. 

*While no transaction fees are charged by us, a fee may be charged by the ATM operator if transactions are performed using an ATM that is not part of the national network of rediATMs. Other fees and charges may apply. Lending criteria, fees, terms and conditions apply and are available upon request.

1There is no interest free period for cash advances and balance transfers. Cash advances incur interest from the date the transaction is posted to your account until the date the transaction is paid in full. For more information please refer to the terms and conditions.