Education Community Credit Card

No annual fee and 9.99%pa ongoing interest rate

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:

You can apply online, call us on (08) 8202 7777 or visit us at 400 King William Street, Adelaide.

Apply now

Transactions to and from Russia are suspended until further notice: Due to the recent developments in Ukraine, our partner Visa has suspended all card and payment transactions to and from Russia until further notice. Please contact us if you have any queries about this change.

No 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

Award-winning Education Community Car Loan

Interest rates

Product NameInterest Rate
Introductory rate for the first 6 months0.00% pa
Variable rate9.99% 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 9.99% pa variable.

Education Community Credit Card fees

Fee

Amount

Visa Credit Card Annual Fee

Education Community 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

Apply now

Contact us

You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.

Contact us

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Mozo Experts Choice Awards

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.

Read more

Australia’s Best Small Credit Union 2020

We’re excited to announce that we’ve taken out top honours in the Mozo Expert Choice Awards to be named Australia’s Best Small Credit Union for 2020!

Read more

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.

Learn more

FREQUENTLY ASKED QUESTIONS
View all Cards FAQs

Education Community Banking Benefits are a range of discounts available to qualifying members, including interest rate reductions and fee waivers.

Both 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 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:

Apply online

Or,

• Use the online application in Internet Banking
• Call us on (08) 8202 7777 or 1800 018 227 (Country SA)
• 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.

If you want to order a card, please call us on (08) 8202 7777. Alternatively, you can send a Secure Mail message via Internet Banking.

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. 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.

Yes. The Visa security systems will continue to offer you protection from unauthorised transactions based on secure chip technology, which provides both data protection and transaction security using the latest encryption technology. In addition, with contactless technology, you retain control of your card during the transaction, which reduces the risk of fraud.

However, you can turn payWave off at any time using Internet Banking or your Mobile Banking App. It’s simple to do and puts you in control of the way your card works.

You are able to complete up to 20 payWave transactions per day per card with a daily limit set at $1,000.

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 (08) 8202 7777 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.

Yes, you can easily turn off your Digital Wallet (which includes your Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, Garmin Pay), using Internet Banking or your Mobile Banking App – here’s how:

Mobile Banking App

  1. Update the App to the latest version & log in
  2. Go to the Card management menu item
  3. Select your card from your card list
  4. Click on Card controls
  5. 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

  1. Log in to your Internet Banking
  2. Click on the Cards icon in the top navigation bar
  3. Select Card management and complete the Two-Factor Authentication
  4. Click on Card controls alongside the relevant card
  5. Deactivate your Digital wallet by clicking the toggle off, alongside the Digital wallet option (to reactivate, just click the toggle back on)
  • Activate your card by logging into your Internet Banking and go to the 'Cards' menu
  • Call us on (08) 8202 7777 or 1800 188 229 (country SA or NBN)
  • Visit us at 400 King William Street, Adelaide
INFORMATION YOU SHOULD KNOW

1

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 9.99% pa variable.

2

*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. 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.

3

Interest rates are current as at 16/12/2020 and are subject to change. Membership, credit criteria, fees and charges apply. Terms and conditions apply.

4

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

5

Education Community Banking Benefits are available to any employee of the South Australian education community and students carrying out studies in education, and their immediate family (parents, children, grandparents, grandchildren, siblings and partners only).

6

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.