Unity Bank Visa Credit Card

• Take advantage of a rate of 7.74% for 6 months on both balance transfers and purchases, reverting to 13.49% thereafter.
• Enjoy no first-year annual fee (reverting to $60 per annum in the following years).
• Benefit from up to 55 interest-free days on purchases.

The basics

• Additional cardholders. Unity Bank's Visa Credit Card allows for one free additional cardholder. This means you can share your account with a family member or loved one and still maintain control of the account.
• Digital wallets. This card is compatible with Apple Pay, Google Pay, and Samsung Pay.
• Gambling transactions. Gambling transactions are not allowed on this card.

Rewards and benefits

• Complimentary travel insurance. This is a low-rate credit card and does not offer complimentary international travel insurance.
• Concierge services. The Unity Bank Visa Credit Card does not include a concierge service, which is standard for cards like this.
• Insurances. This card comes with fraud protection. You won't have any of the insurance coverage on offer with more expensive cards.
• Rewards points. Since it's designed as a cheap credit card, it does not have a rewards program.
• Sign up bonus. Unity Bank does not offer any new customer sign up bonus for this card.

Rates and fees

• Annual fee. The annual fee is waived for the first year and reverts to $60 p.a. thereafter.
• Balance transfers. The Unity Bank Visa Credit Card offers a 6-month balance transfer option at a rate of 7.74%. Any remaining balance after this introductory period will be subject to the standard purchase rate of 13.49% per annum.
• Cash advances. All cash advances made with the Unity Bank Visa Credit Card — ATM withdrawals and cash equivalent transactions — will be charged interest at the rate of 13.49% p.a. Interest accrues immediately from the date of the transaction. A one-time fee will be charged in addition. This cash advance rate is competitive.
• Foreign exchange fee. Any purchases made while travelling overseas or with an online store based in a foreign currency will incur a 3% fee.
• Interest-free period. You can get up to 55 days of interest-free spending on your purchases (excluding cash advances) when you pay off your balance in full or make the minimum required payment.
• Purchases. Make the most of a 7.74% per annum rate on retail purchases for a duration of 6 months. This offer applies solely to retail purchases, excluding cash advances, and will revert to the standard ongoing purchase rate afterward.