Illawarra CU Low Rate Mastercard
4.2
Highlights
- Benefit from a low annual fee of just $50 p.a., waived in the first year.
- Enjoy a low purchase rate of 8.99% p.a.
- Get up to 45 days interest-free on purchases.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Mastercard
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
$500.00
Maximum Credit Limit
$25,000.00
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 45 days on purchases
Minimum Repayment Percentage
3%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
Yes
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
15.88% p.a.
Cash Advance Fee
$2.00
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
8.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$50.00
Dishonour Fee
$15.00
Duplicate Statement Fee
$2.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$20.00
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
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The basics
- Additional cardholders. Add a secondary cardholder for free.
- Digital wallets. Compatible with Apple Pay, Google Pay, or Samsung Pay.
- Gambling transactions. This card cannot be used for gambling-related transactions that are blocked.
Rewards and benefits
- Complimentary travel insurance. The Illawarra CU Low Rate Mastercard does not include complimentary international travel insurance.
- Concierge services. The Illawarra CU Low Rate Mastercard does not offer cardholders access to a concierge service.
- Insurances. The Illawarra CU Low Rate Mastercard does not offer other insurance on this card.
- Rewards points. This credit card does not have a rewards program.
- Sign-up bonus. Illawarra CU does not offer any sign-up bonuses for this card.
Rates and fees
- Annual fee. The annual fee for this card is $50 and is waived in the first year.
- Balance transfers. There is no current balance transfer offer on the Illawarra CU Low Rate Mastercard.
- Cash advances. If you make a cash advance using this card, Illawarra CU will apply the 15.88% p.a. interest rate immediately from the transaction date. Transactions classed as cash advances on this card will also incur a fee.
- Foreign exchange fee. Purchases made in a foreign currency, either from an online store based overseas or while overseas, will incur a 3% fee.
- Interest-free period. With the Illawarra CU Low Rate Mastercard, you can enjoy up to 55 days interest-free on purchases (excluding cash advances) when you pay off your balance in full or make the minimum required payment.
- Purchases. There is no introductory offer on purchases. All purchases made with this card will attract interest at the competitively low rate of 8.99% p.a.
Reviewed by Credit Card Compare Staff
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