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Many credit cards seduce with a low introductory rate on balance transfers, before charging excessive rates when you start making purchases or cash advances. This is 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 a low ongoing interest rate– currently 10.49% pa – with the same low rate applying for all purchases and cash advances.

You’ll have the ability to make fast payments with Google Pay™Apple PaySamsung PayFitbit PayGarmin Pay™ and Visa payWave.

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

You’ll also be able to temporarily lock your card (if you misplace it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking.

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

Apply now Call us (08) 8202 7777 


0% pa1 balance transfer for 6 months

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 cash advance fees2

Up to 55 days interest-free on purchases

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
Annual Fee
Visa Credit Card Annual Fee$39
Visa Credit Card Annual Fee when linked to a Home Loan Package$0

Want to do more with your money?

Our Access Account is our fee free account with 24/7 banking, plus digital wallets including Google Pay™, Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay™.

Links directly to your Credit Union SA transaction account, giving you 24/7 access to your own money all over the world.

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

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

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.

16 months interest free on balance transfers. At the end of the interest free period, the interest rate will revert to 10.49% pa variable.

2We 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.

The target market for this product can be found within the product’s Target Market Determination (TMD), available at

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.

The target market for this product can be found within the product’s Target Market Determination (TMD), available at