Credit Card Compare

Credit Union SA Education Community Credit Card

Data last updated 20 July 2026
11.49%
Purchase rate
$0
Annual fee
55 days
Interest-free

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Credit Union SA Education Community Credit Card card
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CardIQ

71Strong

Strong

Overall score, out of 100 · How this works

  • 0% purchase67
  • 55 days interest-free63
  • Balance transfer65
  • First timer81
  • Low rate78
  • No annual fee71

Customer reviews

No reviews yet. Be the first to review the Credit Union SA Education Community Credit Card.

Pros & cons

What's good

  • 6 months at 0% p.a. on balance transfers, shorter than the 12-month median (no transfer fee, reverts to 11.49% p.a.).
  • 6 months at 0% p.a. on purchases (reverts to 11.49% p.a.).
  • The 11.49% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
  • No annual fee.
  • No fee to add an additional cardholder.

Worth noting

  • 3% foreign transaction fee on overseas spending.
  • Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Visa
Card use
Personal
Credit limit
$1,000 – $20,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
No
Joint application
No
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
11.49% p.a.
Purchases
11.49% p.a.

Fees

Additional cardholder fee
$0
Annual fee
No annual fee
Cash advance fee
—
Foreign transaction fee
3%
Late payment fee
$0

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
2% of the closing balance or $10, whichever is greater

Balance transfers

Can't transfer from
Credit Union SA
Limit
Up to your available credit limit
Period
6 months
Promotional rate
0% p.a.
Revert rate
11.49% p.a.
Transfer fee
0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

Intro purchase period
6 months
Intro purchase rate
0% p.a.
Reverts to
11.49% p.a.

The intro rate applies to new purchases for the period shown, then reverts to the standard purchase rate.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee$0Tied for best (1st of 200 cards)
Interest-free days55 daysTop 10% (6th of 192 cards)
Purchase rate11.49%Top 10% (18th of 196 cards)
Overseas fee3.00%Better than most (53rd of 200 cards)
Balance transfer0% for 6 monthsNot as good as most cards (49th of 65 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
Credit Union SA