ECU Credit Cards

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 info@ecu.com.au. 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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