Summerland Credit Union

Compare Summerland Credit Union credit cards. Reviewing their rates, fees, and other key features to make a more informed decision.

Summerland Credit Union credit cards

Summerland Credit Union Low Rate Credit Card

Summerland Credit Union Low Rate Credit Card

Balance transfer

9 months at 0% p.a.

Purchase rate

11.99% p.a. ongoing

Interest-free days

56 days

Annual fee

$0.00 for 1st year

Highlights

  • Experience 0% per annum for 9 months on balance transfers with no balance transfer fee, returning to 11.99% per annum thereafter.
  • Benefit from a low 11.99% per annum interest rate on both purchases and cash advances.
  • Enjoy no annual fee for the first year, with an annual fee of $49 thereafter.

Pros

  • 0% p.a. for 9 months on balance transfers with no fee.
  • No annual fee for the first year.
  • Competitive purchase and cash advance rate.

Cons

  • There is a 3% foreign conversion fee.
  • Doesn't earn rewards points.
Summerland Credit Union Rewards Credit Card

Summerland Credit Union Rewards Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

18.99% p.a. ongoing

Interest-free days

56 days

Annual fee

$0.00 for 1st year

Highlights

  • Experience 0% per annum for 12 months on balance transfers with no balance transfer fee, returning to 18.99% per annum thereafter.
  • Enjoy no annual fee for the first year, with an annual fee of $79 thereafter.
  • Earn cashback on eligible transactions.

Pros

  • 0% p.a. for 12 months on balance transfers with no fee.
  • No annual fee for the first year.
  • Interest-free period of up to 56 days.

Cons

  • There is a 3% foreign conversion fee.
  • Cash advance interest rate is 20.49% p.a.

Applying for a Summerland Credit Union Credit Card

The application process for a Summerland Credit Union credit card is straightforward and can typically be done online or in-branch. To apply for a card, you'll generally need to:

  1. Provide personal information such as your name, address, contact details, and identification documents.
  2. Disclose your income, employment status, and financial liabilities.
  3. Choose the type of Summerland Credit Union credit card that best suits your needs.
  4. Consent to a credit check to assess your creditworthiness.

Once you submit your application, the credit union will review your details and inform you of the outcome. If approved, you'll receive your new credit card along with its terms and conditions.

Help choosing a Summerland Credit Union credit card

Receive personalised assistance in selecting the optimal Summerland Credit Union credit card, tailored to your unique financial goals and lifestyle preferences.

  • FAQs

How can I apply for a Summerland Credit Union credit card?

To apply for a Summerland Credit Union credit card, you can visit the Summerland Credit Union website and complete the online application form. Alternatively, you can apply in person at a branch or by contacting their customer service for guidance. Make sure you meet their eligibility criteria, which typically include being over 18 and a resident of Australia.

What are the benefits of a rewards program with Summerland Credit Union credit cards?

With the Summerland Credit Union Rewards Credit Card, you can earn cashback on eligible purchases, turning everyday spending into financial rewards

How does the balance transfer feature work on Summerland Credit Union credit cards?

The balance transfer feature on Summerland Credit Union credit cards allows you to transfer the balance from other credit cards to your Summerland Credit Union credit card, potentially at a lower interest rate. This can help you save on interest charges and consolidate your debts. Terms and conditions, including any introductory rates and the duration of those rates, should be reviewed prior to applying.

What documents are required to apply for a Summerland Credit Union credit card?

When applying for a Summerland Credit Union credit card, you'll typically need to provide personal identification documents (such as a driver's license or passport), proof of income (such as recent payslips or tax returns), and details of your financial situation (including assets, liabilities, and expenses).

Can I manage my Summerland Credit Union credit card account online?

Yes, you can manage your Summerland Credit Union credit card account online through internet banking. This service allows you to view your balance and transactions, make payments, transfer funds, and more. To access online banking, you'll need to register for the service through the Summerland Credit Union website or by contacting their customer service.