Horizon Credit Union Credit Cards

Horizon Credit Union is a provider of credit cards, home loans, personal loans, savings and transaction accounts, term deposits, home insurance, car insurance, and travel insurance.

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If you’re considering a Horizon Credit Union credit card, check out what’s available in our comparison table below, based on a monthly spend of $2,000.

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Types of Horizon Credit Union credit cards

At the time of writing, Horizon Credit Union offers one credit card: the Horizon Credit Union Visa credit card.

Horizon Credit Union Visa Credit Card

Features

  • Minimum credit limit: $1,000
  • Maximum credit limit: $30,000
  • Interest-free: Up to 55 interest-free days
  • Contactless: Contactless payments enabled with Visa payWave
  • Digital wallets: Card enabled for smartphone payments with Apple Pay and Android Pay digital wallets
  • Online: 24/7 online banking available

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Eligibility to apply for Horizon Credit Union credit cards

To apply for any of Horizon Credit Union’s credit cards, you must be able to satisfy the following eligibility criteria:

  • Australian citizen or permanent resident
  • Over 18 years of age
  • Currently employed or receiving a regular income
  • Not declared bankrupt or insolvent, or had defaults on any loans, credit cards, interest free finance or store cards in the last 5 years

How to apply for a Horizon Credit Union credit card

If you satisfy the above eligibility criteria, you can apply for a Horizon Credit Union credit card by comparing credit cards on the Canstar website and applying for your card of choice online on the Horizon website. Otherwise, you can always download and print an application form or call Horizon Credit Union on 1300 366 565 (open Mon-Fri).

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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Horizon 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 in online banking, by calling Horizon Credit Union on 1300 366 565 (open Mon-Fri), or by visiting a branch.

Yes, you can manage your Horizon 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 Horizon Credit Union credit card. Interest is charged on cash advances from the date of withdrawal. How much interest is charged depends on the interest rates that apply to that card.

When interest is not charged

Up to 55 interest-free days apply to purchases made by both of the Horizon 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 Horizon Credit Union credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits (see above).

If you wish to change the credit limit on your card, you can do so at any time using your own discretion. You can submit the request by emailing info@horizon.org.au or by calling 1300 366 565. Horizon Credit Union may approve or reject requests based on their lending criteria.

Find out more about how credit limits are determined here.

You can close your Horizon 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 Horizon Credit Union because you’re struggling financially, contact its financial hardship team about potential 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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Horizon Credit Union was founded in 1964 by employees of the Illawarra County Council. The first loan granted by the credit union was a sum of $80 to purchase a vacuum cleaner.

One of Horizon Credit Union’s key initiatives is ‘Green Horizons’, their environmental sustainability program. For example, all branches and the head offices are powered by renewable sources, and Horizon has plant life in all its branches and offices in order to create a healthier, purified working environment.

You can compare other Horizon Credit Union products on the Canstar website, such as Horizon Credit Union home loans, personal loans, savings and transaction accounts, term deposits, home insurance, car insurance, and travel insurance.

Horizon Credit Union Visa Credit Card

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Written by: Regina Collins | Last updated: