Summerland Credit Union Credit Cards

Summerland Credit Union

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

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

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More information about Summerland Credit Union credit cards

Summerland Credit Union offers two credit cards at the time of writing:

  1. Rewards Credit Card
  2. Low Rate Credit Card

We have summarised below some of the key features of these cards, according to the information currently available on Summerland Credit Union’s website.

Summerland Rewards Credit Card

Features

  • Card type: Visa
  • Minimum credit limit: $1,000
  • Interest-free days: Up to 55 days
  • Rewards program: Earn 1 point per $1 spent on eligible purchases, redeemable for $10 cash back for every 1,000 points
  • Contactless payments: Contactless payments enabled for purchases under $100 via Visa payWave
  • Security: Card protected by Verified by Visa and Visa Checkout. Card is also chip and PIN enabled.
  • Other benefits: No annual fee for the first year, balance transfer with 0% interest for 12 months and 0% balance transfer fee at the time of writing

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Summerland Low Rate Credit Card

Features

  • Card type: Visa
  • Minimum credit limit: $1,000
  • Interest-free days: Up to 55 days
  • Contactless payments: Contactless payments enabled for purchases under $100 via Visa payWave
  • Security: Card protected by Verified by Visa and Visa Checkout. Card is also chip and PIN enabled. 
  • Other benefits: No annual fee for the first year, balance transfer with 0% interest for nine months and 0% balance transfer fee at the time of writing

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Summerland Credit Union credit card FAQs

To apply for any of Summerland Credit Union’s credit card products, you must be able to satisfy the following criteria:

  • Be at least 18 years of age
  • Be an Australian Citizen or permanent resident with the right to work
  • Be currently employed

If you meet the eligibility requirements above, then you can apply for a credit card online, over the phone, or by filling out a credit card application form and submitting it to Summerland via email, post or fax.

You may need to have the following details handy when making an application:

  • Australian driver’s licence number
  • Employment details
  • Financial details including your monthly income and expenses and your assets and liabilities
  • Details of any other credit cards you hold

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You will have to activate the card when it arrives before you are able to use that card. Activate the card through Summerland’s mobile banking app or online banking portal.

You can manage your Summerland Credit Union credit card through the Summerland mobile banking app or online banking. Using online and mobile banking, you can do things like activate your card, view your recent transaction history, view your balance, and more.

When interest is charged

Interest is charged when you carry a balance on your Summerland Credit Union credit card. Interest is charged on cash advances from the date of withdrawal and balance transfers from the date of transfer (fees and charges may apply).

When interest is not charged

At the time of writing, Summerland Credit Union’s credit cards offer an interest-free period of up to 55 days on purchases. To qualify for these interest-free days, you must pay in full the closing balance shown on that statement by the due date, as well as the closing balance of your previous statement by its due date.

Your credit limit for a Summerland 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 available.

You can close your Summerland Credit Union credit card at any time by contacting Summerland Credit Union. Your card balance will still 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 are experiencing financial hardship, try contacting Summerland Credit Union’s financial hardship assistance team to learn about some potential solutions.

If you are closing your Summerland Credit Union credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

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Summerland Credit Union is a customer-owned institution that was founded in 1964 to help North Coast families manage their finances and grow their wealth.

Summerland Credit Union says it is a value based organisation and follows the values of sustainability, community, ownership, respect and ethics.

If you’re currently comparing credit cards, the comparison table below displays some of the low interest credit cards currently available on Canstar’s database for Australians looking to spend around $2,000 per month. Please note that this table features links direct to the provider’s website, and is sorted by Star Rating (highest to lowest), followed by provider name (alphabetical). Use Canstar’s credit card comparison selector to view a wider range of credit cards.

Written by: William Jolly | Last updated: November 5, 2019