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Low Rate Visa Credit Card

A competitive low rate credit card that helps you stay in control of your finances

9.90 %P.A. Interest rate for purchases
45 days Up to 45 days interest free on purchases
$ 59 Low annual fee
SMART Pay with your smartphone using Apple Pay, Samsung Pay or Google Pay
Apply online

Apply in a few minutes

Features & benefits


Free protection against fraud and other unauthorised transactions backed by Visa Zero Liability Protection.

Access overseas

Access your money anywhere in the world Visa is accepted.

Receiving money is simple

Receive money in real time without having to remember bank details with Osko and your PayID.

Free additional cards

Get up to 4 additional cards with no additional annual fees.

This credit card may suit you if you want:

  • A simple, competitive interest rate on purchases with a low annual fee.
  • To minimise interest charges and stay in control of credit card debt.
  • Worldwide access to your money anywhere Visa is accepted.
  • Access to features like smartphone payments using Apple Pay, Google Pay or Samsung Pay.

Rates and fees

Interest rates
9.90%p.a. Purchase interest rate
Cash advance interest rate 18.99% p.a.
$59 Annual fee
$0 Card replacement fee within Australia
$10 Late payment fee
FREE Don’t pay ATM fees when you use any of the Big 4 Banks ATMs
$0 Bank@Post cash or cheque deposit fee
$0 Bank@Post withdrawal fee
3.00% Foreign currency conversion fee
$5 Cash advance fee when withdrawing money from an overseas ATM

How to apply

What you’ll need to apply

1Proof of identity documents
To apply you need to be 18 years or over and a permanent Australian resident that resides in Australia.

2Contact details
Email address & phone number.

35 minutes of your time
Applying online takes only 5 minutes to complete.

Application process

1Get your documents together

2Complete the online application form
You can save and return to your application at any point.

3Count to three
We’ll contact you within 3 business days to discuss your application. Once approved your Low Rate Visa Credit Card will arrive in approximately 5-7 business days.

Tips and tools

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Quick links

Bank better with Australian Unity

focused on wellbeing

Focused on Wellbeing

We help customers support the health and wellbeing of their family by creating products that help them save on health insurance and the tools to improve their financial control.



Our banking products give you the flexibility to change as your life does. Options like applying to see if you can pause your home loan repayments due to a life event or paying using your phone.



As a member-owned bank we focus on our customers, members and the community. We focus on your financial wellbeing through personalised service and competitive rates.



We’ve been helping people with their banking solutions for over 30 years and the Australian Unity Group has been around for 180 years so we’ll be able to help you with your banking needs.

Chat with us

Whether it’s understanding terminology, you’re looking to apply or you have a question about your account we can help you with all your banking questions.

Speak with us today

Monday to Friday - 8.30am to 5.30pm AEST

Call 1300 790 740

Have us call you within 1 business day

Request a call back

Important information

Fees, charges and lending criteria apply and product terms and conditions available on application. Please refer to Terms of Use before applying for any product.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions (including Terms of Use), any Product Disclosure Statement (if applicable) and Financial Services Guide before acquiring any product.

Rates stated above are subject to change without notice.

Key facts sheets Refer to Low Rate Visa Credit Card key facts sheet detailing the facts relating to the Low Rate Visa Credit Card

Our Target Market Determinations are available here.