Purchase rate
7.90% p.a. for 6 months then 11.50% p.a.
Balance transfer rate
7.90% p.a. for 6 months and then 11.50% p.a.
Annual fees
$0
Interest free days on purchases
55

Mozo editorial review UniBank Credit Card - last updated: 12 April 2021

binocular icon
What's hot
  • No annual fee
  • Low 7.90% p.a. purchase rate for the first 6 months (then 11.50% p.a. after that)
What's not
  • $4 cash advance fee
  • 2.45% foreign exchange margin
Mozo snapshot

With its super low 7.90% p.a. purchase rate for the first 6 months (then 11.50% p.a. after that), low 11.50% p.a. cash advance rate and no annual fee, the UniBank Credit Card could be a great card option for someone who prefers convenience over prestige.

key icon
Key features

If you’re a frugal spender after a low rate card, the UniBank Credit Card could be the card you’ve been searching for. Although you’ll only have the 7.90% p.a. purchase rate for the first 6 months, the rate will then revert to an 11.50% p.a. purchase rate once this period expires. And while you’ll have access to a low 11.50% p.a. cash advance rate, it’s still a good idea to refrain from ATMs with this card because of the $4.50 cash advance fee. There’s no annual fee, and you’ll also receive up to 55 interest free days.

You might be happy to know that if you are looking to use the card to clear debt, the UniBank Credit Card offers a 7.90% p.a. balance transfer rate for the first 6 months before it reverts to 11.50% p.a.

If you’d like to have an extra card issued for a family member, you won’t pay a thing and only need to make sure they’re over 18. Plus if you’re an Android user, you can use your UniBank Credit Card to access Google Pay. Online shoppers also need to remember the 2.90% foreign exchange margin.

snapshot
Who is it good for

The UniBank Credit Card could be a great choice for the mindful spender, looking for convenience and simplicity in their plastic.

question icon
Any catches

If you love to online shop on a regular basis or prefer to always use cash, you need to be aware of the 2.90% foreign exchange fee and $4 cash advance fee that can take a large stab at your bank account. 



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

11.50% p.a.

7.90% p.a. for 6 months

7.90% p.a. for 6 months and then 11.50% p.a.

no

11.50% p.a.

55

Fees

$0.00

none

none

none

$10.00

4.5

2.90%

$7.00

$25.00

$0.00

Features

none

3.0

yes

none

Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

How are UniBank credit cards rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

Latest review of UniBank Credit Card

About UniBank