UniBank Credit Card

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Credit Card is a credit card from UniBank, as the bank publishes it in its product data. Its purchase rate is 11.50%; its card fee is not stated in the feed.

What the feed states

Purchase rate

11.50%

Introductory purchase rate

7.90% for the first 6 months

Cash advance rate

11.50%

Interest-free days

up to 55

Card fee

the feed lists no annual or monthly card fee, so none is claimed

Foreign transaction fee

2.9% of the transaction

Cash advance fee

$4

Late payment fee

$10

Balance transfer offer

7.90% for 6 months (then 11.50%)

Balance transfer rate otherwise

11.50%

Digital wallets

Apple Pay, Google Pay, Samsung Pay

Additional cardholders

offered

Credit limit

$1,000 to $25,000

Minimum age

18

Scheme

Visa

Conditions and offers

• 7.90% on purchases for the first 6 months, then the purchase rate
• 7.90% on balance transfers for 6 months, then 11.50% (the balance transfer rate)
• credit limit $1,000 to $25,000
• Membership limited to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank (the lender's words)
• no annual fee and no fee for additional cardholders
• 7.90% introductory rate is for new cardholders only; members who have held a credit card before are not eligible
• balance transfers are paid by BPAY, so some institutions cannot be transferred from

Who can apply, in the bank's words

• You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…
• All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…

About this card

Use your credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.

Data

• UniBank's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-24.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/unibank.json: this issuer's cards as JSON; UniBank's page lists them.
• The bank last updated this record on 2026-09-09; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.