Workplace Benefits Credit Card
No annual fee and a competitive ongoing low interest rate - what's not to love?
As a Workplace Banking Benefits member, you get to enjoy exclusive banking benefits from us, while also feeling good knowing you’re banking with an organisation that gives back to your local community. It’s win-win!
With no annual fee, a 0% p.a. introductory rate for the first six months on purchases, balance transfers and cash advances1, as well as an ongoing low interest rate available after the first 6 months – what’s not to love?
Plus you'll enjoy all of the great access advantages which come with a Credit Union SA Visa Credit Card, including:
- Fast payments with Google Pay™, Apple Pay, Samsung Pay and Garmin Pay™ and Visa payWave2
- The option to temporarily lock your card (if you’ve misplaced it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking.
- The ability to set up a balance sweep to automatically pay your credit card amount in full each month, helping you manage your finances.
You can apply online, call us on 13 8777 or visit us at 400 King William Street, Adelaide.
No annual fee
0% introductory rate
for the first 6 months of your account on purchases, balance transfers and cash advances
Low interest rate
One of the lowest ongoing interest rates in Australia.
Up to 55 days interest-free on purchases
Simply clear your closing balance on time each month
Interest rates
| Product Name | Interest Rate |
|---|---|
| Introductory rate for the first 6 months | 0.00% pa |
| Variable rate | 11.49% pa |
6 months interest free on cash advances, purchases and balance transfers. At the end of the interest free period, the interest rate will revert to the variable rate.
Workplace Benefits Credit Card fees
Fee
Amount
Visa Credit Card Annual Fee
$0
Start your application now
You’ve come to the right place! With one of the lowest interest rates around, this card has got you covered.
Apply online
Details you’ll need to have handy to help you speed through this application:
- your income and living expense details
- information about any credit cards or loans you have
Contact us
You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.
FREQUENTLY ASKED QUESTIONS
View all Cards FAQsBoth cards allow you to purchase items online, over the phone and in over 30 million shops worldwide. They also allow you to withdraw cash at over 1.4 million ATMs worldwide.
The difference is that when you transact with your Visa Debit Card, funds are deducted from your bank account. Whereas with a Visa Credit Card, you are making purchases on credit. We’ll send you a monthly statement outlining your transactions and the outstanding balance of your account.
We offer one of the lowest ongoing interest rates in Australia on purchases and cash advances. View our current rate.
You can apply for a Visa Credit Card through any of the following methods:
Or,
• Use the online application in Internet Banking.
• Call us on 13 8777.
• Visit us at 400 King William Street, Adelaide.
You should review the Visa Credit Card terms and conditions to determine if this product is suitable for your personal needs and situation.
Our Credit Card Key Fact Sheet helps you quickly and easily compare the performance of various credit cards.
View the summary of fees and charges for our Visa Credit Card.
With a Credit Union SA Visa Debit Card or Visa Credit Card, you can shop at tens of millions of merchants across the globe and withdraw your money at over 2.1 million ATMs worldwide.
Before you head off, make sure you let us know your travel plans so we can accurately assess your transactions and notify you immediately if any suspicious activity takes place. You can do this using your Mobile Banking App or Internet Banking.
Mobile Banking App
Select Overseas Travel from the drop-down menu, then Travel notifications and follow the prompts.
Internet Banking
Select Cards from the top navigation menu, then click Heading overseas and follow the prompts.
Alternatively, you can call us on 13 8777 or visit us at 400 King William Street, Adelaide.
Security
You’ll be protected by Visa’s Zero Liability Policy. With Visa's Zero Liability policy*, you can get protection from fraudulent charges made with your card or account information. This means you can pay with total confidence, knowing you are protected against unauthorised use.
Plus, you now have the option to turn international purchases off at any time (for extra security) using Internet Banking or your Mobile Banking App. You can also turn off domestic purchases and ATM withdrawals – which is a good idea if you’re travelling overseas.
When using your card overseas, fees and charges may apply.
*Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their Issuer promptly of any unauthorised Visa use. Please consult your Issuer for additional details.
If you want to order a card, please call us on 13 8777. Alternatively, you can send a Secure Mail message via Internet Banking.
If you’ve misplaced your card, you can temporarily deactivate it until it turns up again, using Internet Banking or your Mobile Banking App – here’s how:
Mobile Banking App
- Update the App to the latest version & log in
- Go to the Card management menu item
- Select your card from your card list
- Deactivate your card by clicking on the Lock icon (to reactivate, just click on the Unlock icon)
Download Mobile Banking App User Guide
Internet Banking
- Log in to your Internet Banking
- Click on the Cards icon in the top navigation bar
- Select Card management and complete the Two-Factor Authentication
- Deactivate your card by clicking the toggle alongside the Lock option (to reactivate, just click the toggle off)
You should contact us straight away on 13 8777 so the lost or stolen card can be cancelled and no further purchases made. When the replacement card is issued we will automatically update Apple Pay with your new card details. You can continue to make purchases using Apple Pay before your new card arrives. You may be limited to transactions under $100 until your new PIN arrives.
Get help if your device is lost or stolen link: support.apple.com/en-au/HT201472
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.
Yes, you can easily turn off your Digital Wallet (which includes your Apple Pay, Samsung Pay, Google Pay™, Garmin Pay™¹), using Internet Banking or your Mobile Banking App – here’s how:
Mobile Banking App
- Update the App to the latest version & log in
- Go to the Card management menu item
- Select your card from your card list
- Click on Card controls
- Deactivate your Digital Wallet by clicking the toggle off, alongside the Digital wallet option (to reactivate, just click the toggle back on)
Download Mobile Banking App User Guide
Internet Banking
- Log in to your Internet Banking
- Click on the Cards icon in the top navigation bar
- Select Card management and complete the Two-Factor Authentication
- Click on Card controls alongside the relevant card
- Deactivate your Digital wallet by clicking the toggle off, alongside the Digital wallet option (to reactivate, just click the toggle back on)
1Android, Google Pay, and the Google Logo are trademarks of Google LLC. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.”
Business Banking
The Business Banking facility is an addition to our regular Internet Banking service that allows organisations to manage groups of transactions into batches eg. weekly payroll.
If you would like to enquire about the benefits Business Banking can offer your business or association, please call 13 8777.
If you’re a not-for-profit organisation, you might also be interested in our Association Account.
Mobile Banking App
Available for both Apple and Android smart devices, the Credit Union SA Mobile Banking App allows you to utilise all the best functionality of our website and Internet Banking services – anytime and anywhere you have an internet connection.
Digital Wallet
Digital wallets can be used to pay for purchases via a Credit Union SA Visa Debit Card or Visa Credit Card loaded into your smart device, wherever mobile payment systems are offered.
The credit union difference
We help South Australians do more with their money. At Credit Union SA, we offer all the same services as a bank but with one very important difference - our highest priorities are our members and our community.
GUIDES AND NEWS
How we
can help
Contact us
You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.
Call us
We’re here to answer any questions you might have – make sure you have your Access Code ready!
Visit us
400 King William Street, Adelaide has self-service options available to make your life easier.
Mobile Lending Managers
Our Mobile Lending Managers can help our members by phone or email, with video calls now available.
INFORMATION YOU SHOULD KNOW
Credit Card interest rates are current as at 01/11/2022 and are subject to change. Membership, credit criteria, fees and charges apply. Terms and conditions apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.
The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/legal/terms-and-conditions/target-market-determination.
These offers are available to any employee at any of the companies listed on the Community Partnerships and Workplace Banking page. Offers and benefits valid as at 01/11/2022, subject to change and may be withdrawn at any time without advanced notice. Lending criteria, fees and conditions apply and are available upon request.
1
We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply.
2
Android, Google Pay, and the Google Logo are trademarks of Google LLC. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.