Credit Cards and Overdrafts

Visa Credit Card Annual Fee

Education Community Credit Card Annual Fee

Visa Credit Card linked to Home Loan Package Annual Fee

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.

You perform a transaction in a currency other than Australian dollars using a Visa card. This fee is included in the AUD amount debited to your account and comprises 2.00% charged by third parties and 1.00% charged by Credit Union SA

Payable whenever we send you a letter because you do not make a repayment in full on or before the date it is due and the default continues for three days or more.

• Letter 1 – arrears 3 to 10 days
• Letter 2 – arrears 11 to 18 days
• Letter 3 – arrears 19 to 26 days
• Letter 4 – arrears 27 days or more

First letter

Subsequent Letters

Payable when you apply for a new overdraft limit or an increase to an existing overdraft limit

Transaction and monthly fees may also apply on your overdraft account. Please refer to the Accounts tab for transaction account fees

Visa Credit Card Annual Fee

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

Workplace Benefits Credit Card Annual Fee

Education Community Credit Card Annual Fee