Holiday Coast Credit Union Credit Cards
Compare Holiday Coast Credit Union credit cards
If you’re considering a Holiday Coast Credit Union credit card, check out what’s available in our comparison table below, based on a monthly spend of $2,000.
Types of Holiday Coast Credit Union credit cards
At the time of writing, Holiday Coast Credit Union has one credit card available for you to choose: the Light Visa credit card.
Holiday Coast Credit Union Light Visa credit card
- Minimum credit limit: $1,000
- Maximum credit limit: $30,000
- Interest-free: Interest-free days of up to 55 days
- Contactless: Contactless payments enabled with Visa payWave
- Online: 24/7 online banking
- Security: Secured with 24/7 fraud monitoring
Eligibility to apply for Holiday Coast Credit Union credit cards
To apply for Holiday Coast Credit Union credit cards, you must be able to satisfy the following criteria:
- Australian citizen or permanent resident
- Over 18 years of age
- Open to a suitability test and background check
How to apply for a Holiday Coast Credit Union credit card
If you satisfy the above eligibility criteria, you can apply for a Holiday Coast Credit Union credit card by comparing credit cards on the Canstar website and applying online for the card of your choice on the Holiday Coast website.
Otherwise, you can always download and print an application form or call Holiday Coast Credit Union on (02) 6580 8200 (open Mon-Fri).
You will need the usual documentation to apply for a credit card, including:
- Your employment details
- Your annual income
- Your usual living expenses
- Details about assets you own such as a home, car, other belongings, or savings
- 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.
Holiday Coast Credit Union FAQs
Once your application has been approved and your card has arrived, you will need to activate the card before you can use it to make purchases. You can activate your card by using online banking, calling Holiday Coast Credit Union on (02) 6580 8200 (open Mon-Fri), or visiting a branch.
Yes, you can manage your Holiday Coast Credit Union credit card through online banking. You can access statements of your savings, view transaction information, and view all of your cards and accounts online.
When interest is charged
Interest is charged on purchases when you carry a balance on your Holiday Coast Credit Union credit card. Interest is charged on cash advances from the date of withdrawal. How much interest depends on the interest rates charged on that card.
When interest is not charged
Up to 55 interest-free days apply to purchases made by both of the Holiday Coast Credit Union credit cards, as long as 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 a Holiday Coast credit card will be determined based on the information you provide in your application, within the minimum and maximum credit limits for each card (see above).
If you wish to increase the credit limit on your card, you can apply at any time by emailing email@example.com or by calling Holiday Coast Credit Union on (02) 6580 8200. You can also apply to decrease your credit limit. Holiday Coast Credit Union may approve or reject requests at their discretion based on their lending criteria.
Find out more about how credit limits are determined here.
You can close your Holiday Coast Credit Union credit card account at any time by sending a written request to your nearest branch. Your card balance will need to be repaid in full even after the card is closed, and you will continue to receive monthly statements until your card balance is fully repaid.
If you’re cancelling your credit card with Holiday Coast Credit Union because you’re struggling financially, then you can contact its financial hardship team to find a potential solution.
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:
Holiday Coast Credit Union pride themselves on being 100% customer-owned and returning profits to members in the form of more competitive products and services.
Holiday Coast Credit Union also support a number of local communities in New South Wales through grants from their Community Partnership Program, which distributed $64,425 to 29 local organisations in 2016. Holiday Coast Credit Union is a supporter of the Credit Union Foundation of Australia (CUFA).
In addition, Holiday Coast Credit Union offers the Community Support Account, which is specially designed for not-for-profit community groups such as local charities and sports clubs. This account minimises fees and earns bonus interest rates.
You can also compare Holiday Coast Credit Union home loans on the Canstar website, among their other products including personal loans, savings and transaction accounts, term deposits, life insurance, home insurance, car insurance, travel insurance, and business banking products.