ECU Credit Cards

ecu australia

ECU is a provider of credit cards, home loans, car loans, personal loans, debit cards (transaction accounts), home insurance, car insurance, travel insurance, and business banking products. 

“Easier, fairer banking.” (ECU) 

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If you’re considering an ECU credit card, then check out what’s available for low rate cards in our comparison table below, based on a monthly spend of $5,000. 

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Types of ECU credit cards

ECU Australia has one credit card on offer at the time of writing: the ECU Low Rate Visa credit card. 

ECU Low Rate Visa Credit Card


  • Card type: Visa 
  • Minimum credit limit: $1,000 
  • Maximum credit limit: $50,000 
  • Minimum income requirement: $30,000/year 
  • Interest-free days: Up to 55 days interest-free on purchases 
  • Contactless: Contactless payments enabled via Visa payWave 
  • Online: Mobile banking app and online banking enabled 
  • Security: Verified by Visa program assesses the risk level of every transaction and warns cardholder if any activity is out of the ordinary 

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Eligibility to apply for ECU credit cards

In order to apply for an ECU credit card, you need to satisfy the following criteria: 

  • Be at least 18 years old 
  • Be a permanent Australian resident 
  • Have a good credit history 
  • Have proof of ability to make regular repayments (proof of income) 

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How to apply for a ECU credit card

If you meet the eligibility criteria above, then the preliminary application process is extremely straightforward. You can apply by comparing credit cards on the Canstar website and applying on ECU’s website for the card of your choice. You can also apply by visiting a branch and talking to a member of the ECU team, or by calling them on 1800 383 791 to go through the application process over the phone. 

You will need the usual documentation to apply for a credit card, including: 

  1. Your employment details 
  2. Your annual income 
  3. Your usual living expenses 
  4. Details about assets you own such as a home, car, other belongings, or savings 
  5. Any debts you currently owe on other credit cards, loans, or overdrafts 

Read our checklist on applying for a credit card for a more detailed explanation of how the process works. 

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ECU Credit Card FAQs

Your ECU credit card must be activated before you can use it to make purchases. You can call ECU on 1800 383 791 between business hours to enquire further. 

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Yes, you can manage your ECU credit card through ECU’s eTeller internet banking site. You will be given login details when applying for a card. You can also download and use the ECU mobile banking app on most smartphone devices (Android, Apple, and more). 

You can use the mobile banking app or online banking to display transaction details, view your balance, request a change in your credit limit, and more. 

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When interest is charged

Interest is charged on purchases when you carry a balance on your ECU credit card. Interest is charged on cash advances from the date of withdrawal. On ECU’s visa credit card, interest is calculated daily and charged monthly on purchases. 

When interest is not charged

Up to 55 interest-free days apply to ECU credit card purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement. For more information about interest-free days, check out our article on how they work. 

Your credit limit for an ECU credit card will be determined based on the information you provide in your application, keeping in mind the minimum credit limit on the card (see above). 

You can apply to have this increased or decreased, and ECU can approve or reject this request at their discretion based on their lending criteria. Find out more about how credit limits are determined here. 

To cancel your ECU credit card and close the account, you can contact ECU by either calling them on 1800 383 791 or by emailing them on Once your card is cancelled, you will still need to repay your card balance in full, and you will continue to receive monthly statements until you do so. 

If you are cancelling your credit card because of financial troubles, contact the financial hardship team to identify possible solutions. 

If you’re cancelling your credit card because you aren’t happy with it, then consider checking out what else is on the market by clicking the button below to compare credit cards using the Canstar website: 

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ECU stands for the electricity industry’s credit union, and it was founded in 1973 when employees of the Cairns Regional Electricity Board formed the C.R.E.B. Credit Union. 

Initially consisting of volunteer employees, the credit union employed full-time staff from 1976 on. It has grown significantly since then, and rebranded as ECU Australia in 1997. 

ECU say they stand for easier and fairer banking, and for them, this means providing its members with better value banking and straightforward financial advice. As a credit union, ECU is owned by members. Any Australian resident can become a member of ECU. 

Being a customer-owned institution, ECU adheres to the Customer Owned Banking Code of Practice in order to ensure that is upholds its moral promise to members. Like many financial institutions, ECU also complies with the following: 

  • Responsible financial management requirements  
  • Corporate and financial services licensing, advice and training, and disclosure regulation 
  • Consumer credit laws 
  • Commonwealth, State and Territory legislation including privacy laws and fair trading laws 

Like ECU on Facebook to stay in touch with their latest products and promotions. 

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Written by: William Jolly | Last updated: July 19, 2017