Key Facts Sheet

Key facts about this credit card
Correct as at: 25 January 2024
This information sheet is an Australian Government requirement under the
National Consumer Credit Protection Act 2009.

 Description of credit card
 Product name                             Visa credit card                     Education Community                     Workplace Benefits
                                                                                    credit card                           credit card
 Minimum credit limit                          $1,000                                   $1,000                                  $1,000
 Minimum repayments The minimum monthly repayment is the greater of:
                    • The excess of the closing balance over the credit limit of your credit card, if your balance
                      exceeds the approved limit;
                    • 2% of the closing balance of each monthly statement; or
                    • The minimum repayment of $10.
                    If the closing balance is less than $10, the minimum monthly repayment will be that
                    balance.
 Interest on purchases                      11.99% p.a.                              11.49% p.a.                             11.49% p.a.
 Interest free period            Up to 55 days interest free is provided (for purchases only) if you pay the closing balance
                                 of that statement of account in full by the due date. There is no interest free period for
                                 any other form of transaction, including cash advances, direct debits, ATM withdrawals,
                                 interest and credit card insurance premiums. Cash advances incur interest from the date
                                 the transaction is posted to your account until the date the transaction is paid in full.
 Interest on cash                           11.99% p.a.                              11.49% p.a.                             11.49% p.a.
 advances
 Promotional interest            0% p.a. for the first 6                  0% p.a. for the first                   0% p.a. for the first
 rate                            months on balance transfers.             6 months on balance                     6 months on balance
                                                                          transfers, cash advances                transfers, cash advances
                                                                          and purchases for new                   and purchases for new
                                                                          accounts. Balance transfers             accounts. Balance transfers
                                                                          can be requested at any                 can be requested at any
                                                                          time in accordance with the             time in accordance with the
                                                                          Visa Credit Card Terms and              Visa Credit Card Terms and
                                                                          Conditions.                             Conditions.
 Balance transfer                           11.99% p.a.                              11.49% p.a.                             11.49% p.a.
 interest rate
 Annual fee                      $59 per annum.                           $0                                      $0
                                 The annual fee does not
                                 apply if you have a Home
                                 Loan Package.
 Late payment fee                Payable whenever we send you a letter because you did not make a repayment in full on or
                                 before the date it was due and the default continues for three days or more;

                                 Arrears three to 10 days: Nil
                                 Arrears 11 to 18 days:    $15
                                 Arrears 19 to 26 days:    $15
                                 Arrears 27 days:          $15

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to these credit cards can be obtained from
www.creditunionsa.com.au. For more information on choosing and using credit cards visit ASIC consumer website at www.moneysmart.gov.au. The terms on
which these credit cards are offered can change over time. You can check if any changes have been made by visiting www.creditunionsa.com.au.

Credit Union SA Ltd • ABN 36 087 651 232 • AFSL/Australian Credit Licence Number 241066 • 400 King William Street Adelaide SA 5000                   Online
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