Education Community Visa Credit Card card image
Mini meca 2020

Credit Union SA Education Community Credit Card

Advertiser disclosure
Purchase rate
0% p.a. for 6 months then 9.99% p.a.
Balance transfer rate
0% p.a. for 6 months and then 9.99% p.a.
Annual fees
$0
Interest free days on purchases
55

Mozo editorial review Credit Union SA Education Community Credit Card - last updated: 15 October 2020

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What's hot
  • Multiple Mozo Experts Choice Awards 2020
  • 0% purchase rate for 6 months (then 9.99%)
  • No annual fee
What's not
  • Only available to SA Education Community Members
Mozo snapshot

A sweet addition to the Education Community Banking Benefits program is the Credit Union SA Education Community Credit Card, which two 2020 Mozo Experts Choice Awards for best Low Rate Credit Card and best No Annual Fee Credit Card. It’s hard not to see why with its low ongoing 9.99% purchase and cash advance rate and of course, no annual fee. You’ll also be able to clear debt with ease, thanks to the 0% balance transfer rate for the first 6 months.

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Key features

With one of the lowest ongoing rates in Australia, the Credit Union SA Education Community Credit Card was made for even the tightest budget. You’ll be offered a 9.99% purchase and cash advance rate, plus no cash advance fee! As an added bonus, the introductory purchase rate offer means you can spend interest free for the first 6 months.

There’s also up to 55 interest free days and a small $10 late payment fee. And if you’re a bit wary about making an ATM withdrawal overseas, don’t worry, there’s no domestic or overseas ATM withdrawal fee either.

If you are thinking of using the Education Community Credit Card to wipe away debt, you’re in luck, as there is a 0% balance transfer fee for the first 6 months, before this reverts to a low rate of 9.99% for any debt leftover.

However, access to this card is limited as you will need to be a member of the SA Education Community, or a partner of a member. But once you get it, you will be able to use this card through Google Pay, Apple Pay, Samsung Pay and Visa payWave. There’s also a 3.00% foreign exchange fee to watch out for, but this is a standard percentage amongst credit cards.


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Who is it good for

The SA Education Community Credit Card is a great choice for South Australians who are members of the Education Community, looking for a low rate card for budget friendly, everyday spending.

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Any catches

This low rate card is limited in terms of its accessibility as it is only available for SA Education Community Members. And if you like to shop online and internationally, this will incur a 3.00% foreign exchange margin. While this a standard percentage amongst credit cards, you will need to factor these fees into your budget if you consider yourself a frugal spender.

Details

Rates and fees information correct as at 17 September 2021 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

9.99% p.a.

0% p.a. for 6 months

0% p.a. for 6 months and then 9.99% p.a.

yes

9.99% p.a.

55

Fees

$0.00

none

none

none

$10.00

$0

3.00%

$0.00

$0.00

$0.00

Features

$10.00

2.0

yes

Available to employees of the South Australian education community and students carrying out studies in education.

Payment options

Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay

Other benefits

0% p.a. cash advance rate for the first 6 months on new accounts.

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