Workplace Benefits Credit Card

No annual fee and 9.99%pa ongoing interest rate

As an SA Power Networks employee, 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% 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?

Plus you'll enjoy all of the great access advantages which come with a Credit Union SA Visa Credit Card, including:

You can apply online, call us on (08) 6117 1048 or visit us at 400 King William Street, Adelaide.

Apply now

No annual fee

0% introductory rate

for the first 6 months of your account on purchases, balance transfers and cash advances1

9.99% pa 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

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.

Workplace Benefits Credit Card fees

Fee

Amount

Visa Credit Card Annual Fee

Workplace Benefits 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.

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

Call us on (08) 6245 6304

Visit us at 400 King William Street, Adelaide

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 (08) 7111 1677.

If you’re a not-for-profit organisation, you might also be interested in our Association Account.

Learn more

Flexible Banking

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.

Learn more

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.

Learn more

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.

Learn more about us

FREQUENTLY ASKED QUESTIONS
View all Cards FAQs

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.

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:

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.

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 (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.

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.

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

  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. 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

  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. 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 (08) 8202 7777 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, 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)
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

Workplace Banking Benefits are available to any employee currently working at SA Power Networks. Offers and benefits valid as at 27/11/2020, subject to change and may be withdrawn at any time without advanced notice. Lending criteria, fees and conditions apply and are available upon request.

5

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

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.