Coastline Credit Union Credit Cards

To apply for a Coastline credit card, you need to be 18 years old or over and an Australian citizen or permanent Australian resident. You also need to show that you are currently in paid employment and have not previously been bankrupt.

Other criteria may also apply, so contact Coastline Credit Union for more information if you are unsure.

Before applying, consider Coastline’s eligibility criteria, plus whether a credit card is generally suitable for your needs. You can also compare your other options using Canstar’s comparison tables.

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If you do choose to commit, you can apply for a Coastline credit card by filling out a form online, or by visiting a Coastline Credit Union branch in person (all branches are located in New South Wales). You may be required to provide further information throughout the application process, including your personal details, employment details, assets, liabilities and living expenses.

According to the Coastline website, you can either physically activate your Coastline credit card when it arrives via the app or website, or automatically activate it by making a transaction with it. The date of activation will then be referred to as your membership commencement date.

You can manage your Coastline credit card through online banking or via the MyCOAST mobile banking app. The app can be used to check your transaction history and account balances, transfer money and manage your card, among other things.

When interest is charged:

Interest is charged when you carry a balance on your Coastline Credit Union credit card. Interest is also charged on cash advances daily from the date the transaction is made until the date the transaction is paid in full.

When interest is not charged:

At the time of writing, there is an interest-free period of up to 55 days on purchases on the Coastline Visa Rewarder and the Coastline Visa Business Rewarder credit cards. Interest-free days only apply if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed). There is no interest-free period for cash advances.

Your credit limit for a Coastline credit card will be determined based on the information you provide in your application, keeping in mind the minimum credit limits available. Both the Coastline Visa Rewarder and the Coastline Visa Business Rewarder have a minimum credit limit of $500. 

According to the website, you can ask it to decrease or cancel your credit limit at any time by submitting a form online. Coastline says that a member of its lending team will then be in contact with you to proceed.

You can request to close your Coastline credit card account online, over the phone, by email or by visiting a Coastline Credit Union branch. Coastline requires that you give notice and either return your card cut in half, or confirm over the telephone that your card has been destroyed.

If you are closing your Coastline credit card because you’re not satisfied with it, you could consider a range of other options when it comes to credit cards:

Compare Credit Cards

Coastline is a credit union that says it aims to provide its members with high-quality financial services at a low cost. All of Coastline’s branches are located in New South Wales currently, however Coastline says that any eligible person living in Australia can become a member.