It looks like experts love our Education Community Credit Card too – winner of the 2020 Mozo Experts Choice Low Rate Credit Card!
And why wouldn’t they! With no annual fee, a 0% pa introductory rate for the first six months on purchases, balance transfers and cash advances¹ as well as a low ongoing interest rate after the first 6 months – what’s not to love?
Best of all it’s now available along with our other Education Community Banking Benefits to employees of the South Australian education community, students carrying out studies in education, AND their immediate family - parents, children, grandparents, grandchildren, siblings and partners!
Plus you'll enjoy all of the convenient access advantages which come with a Credit Union SA Visa Credit Card, including:
- Fast payments with Google Pay™, Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay™ and Visa payWave
- No cash advance fees²
- No direct debit fees
- 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 (08) 8202 7777 or visit us at 400 King William Street, Adelaide.
No annual fee
$0 Annual Fee
0% introductory rate
for the first 6 months of your account on purchases, balance transfers and cash advances1
9.99% interest rate
One of the lowest ongoing interest rates in Australia, an extremely low 9.99% pa interest rate after 6 months
Up to 55 days interest-free on purchases
Simply clear your closing balance on time each month
|Introductory rate for the first 6 months
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.
Education Community Credit Card fees
Visa Credit Card Annual Fee
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.
FREQUENTLY ASKED QUESTIONSView all Cards FAQs
Education Community Banking Benefits are available to current or retired employees within the South Australian education community and students carrying out studies in education, and their immediate family (parents, children, grandparents, grandchildren, siblings and partners only).
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 and we’ll send you a monthly statement outlining your transactions and the outstanding balance of your account.
You can apply for a Visa Credit Card through any of the following methods:
You should review the Visa Credit Card terms and conditions to determine if this product is suitable for your personal needs and situation.
Yes, you can use your card at any ATM. Although, we don’t charge any *fees when using ATMs within Australia, 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.
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.
Select Cards from the top navigation menu, then click Heading overseas and follow the prompts.
Alternatively, you can call us on (08) 8202 7777 or visit us at 400 King William Street, Adelaide.
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.
- 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)
- 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. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.”
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2020 Mozo Experts Choice Low Rate Credit Card
Our Education Community Visa Credit Card took out Mozo’s Low Rate Credit Card.
We were chosen from over 215 personal and 45 business credit cards from 72 financial institutions for this award.
Australia’s Best Small Credit Union 2020
Education Community Banking Benefits
Education Community Banking Benefits are a range of discounts available to qualifying members, including interest rate reductions and fee waivers.
If you work within education, no matter what sector — including public, private, university or studying education — you and your family are eligible.
GUIDES AND NEWS
You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.
We’re here to answer any questions you might have – make sure you have your Access Code ready!
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
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
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.
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. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.