Credit Union SA Education Community Credit Card
4.2
Highlights
- No annual fee.
- 0% introductory rate on purchases, balance transfers, and cash advances.
- Enjoy a competitive 11.49% p.a. interest rate.
- Benefit from up to 55 days interest-free on purchases.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
1
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%
Balance transfers
Balance transfer offer
Balance Transfer Rate
0%
Balance Transfer Period
6 months
Balance Transfer Fee Percentage
0%
Balance transfer conditions
Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
100%
Balance Transfer Revert Rate
11.49%
Rates, fees, charges
Cash advances
Cash Advance Rate
11.49% p.a.
Cash Advance Fee
N/A
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
0%
Purchase Rate Introductory Period
6 months
Purchase Rate Ongoing
11.49% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
$10.00
Duplicate Statement Fee
$0.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$10.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The basics
- Additional cardholders. You can add one additional cardholder for free with this card. Note that the main account holder will be responsible for keeping the account in good standing. Additional cardholders' credit scores will not benefit.
- Digital wallets. This card can be used with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
- Gambling transactions. Gambling transactions are not allowed.
Rewards and benefits
- Complimentary travel insurance. This card does not provide international travel insurance coverage.
- Concierge services. The Credit Union SA Education Community Credit Card does not give cardholders access to a concierge service.
- Insurances. Cardholders get fraud protection and repayment insurance.
- Rewards points. As it's a low rate card, there is no rewards program linked with the card.
- Sign up bonus. Credit Union SA does not offer a sign up bonus for this card.
Rates and fees
- Annual fee. There is no annual fee.
- Balance transfers. This credit card offers a balance transfer of up to 6 months with 0% p.a. When the promotional period ends, any remaining balance will revert to the ongoing purchase rate of 11.49 p.a.
- Cash advances. Cash advances made with the Credit Union SA Education Community Credit Card are cheap. They charge 0% p.a. for the first 6 months, then 11.49% p.a. This is as unusual as it is competitive. And there is no cash advance fee.
- Foreign exchange fee. A 3% fee applies to purchases made online or overseas in a foreign currency.
- Interest-free period. This card offers up to 55 days interest-free on purchases as long as your account balance is paid in full by the due date or you have made the minimum required payments.
- Purchases. There is 0% p.a. on purchases for the first 6 months, reverting to the low ongoing rate of 11.49% p.a.
Reviewed by Credit Card Compare Staff
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