Summerland Credit Union Credit Cards

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

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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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Types of Summerland Credit Union credit cards

Summerland Credit Union has two credit cards to choose from at the time of writing:

  1. Summerland Rewards credit card
  2. Summerland Low Rate credit card

Summerland Rewards credit card

The Summerland Credit Union Rewards credit card was awarded a 5-star ratings in Canstar’s 2017 credit card star ratings.

Features

  • Card type: Visa
  • Minimum credit limit: $1,000
  • Maximum credit limit: $50,000
  • Interest-free days: Up to 55
  • Rewards: Earn 1 point per $1 spent, redeemable for $10 cash back for every 1,000 points
  • Contactless: Contactless payments enabled via Visa payWave
  • Security: Card protected by VISA Zero liability and VISA Checkout
  • Other benefits: No annual fee for the first year, balance transfer with 0% interest for 13 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
  • Maximum credit limit: $50,000
  • Interest-free days: Up to 55
  • Contactless: Contactless payments enabled via Visa payWave
  • Security: Card protected by VISA Zero liability and VISA Checkout
  • Other benefits: No annual fee for the first year, balance transfer with 0% interest for 13 months and 0% balance transfer fee at the time of writing

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Eligibility to apply for Summerland Credit Union credit cards

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

  • At least 18 years of age
  • Australian Citizen or permanent resident with the right to work
  • Currently employed

How to apply for a Summerland Credit Union credit card

If you meet the eligibility requirements above, then you can apply online, call Summerland Credit Union on 1300 802 222, or fill out a credit card application form and drop it into a branch. You will need the usual documentation when applying for a credit card.

Read our checklist on applying for a credit card for a more detailed explanation of how the process works. Be sure to compare credit cards on the Canstar website before applying for the card of your choice:

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Summerland Credit Union FAQs

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

You can manage your Summerland Credit Union credit card through the Summerland mobile banking app or online banking, available for both Apple and Android devices. Using online and mobile banking, you can do things like activating 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 apply).

When interest is not charged

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.

For more information about interest-free days, check out our article on how they work.

The credit limits on Summerland Credit Union’s credit cards range from $1,000 to $50,000 at the time of writing. Your credit limit is determined based on the information you provide in your application. Find out more about how credit limits are determined here.

You can cancel your credit card at any time by contacting Summerland Credit Union on 1300 802 222. 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, then there are other options besides closing your credit card account. 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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Founded in 1964 to help North Coast families manage their finances and grow their wealth, Summerland Credit Union is a customer-owned institution.

Summerland Credit Union has made efforts towards environmental sustainability – since 2009, it has reduced its fuel consumption by 60%, its paper consumption by 15%, and its electricity usage by 11%.

Summerland also has a strong presence in local communities, being involved in a range of social, sporting, and community groups. For example, Summerland is a supporter of grassroots football. Its Cash 4 Clubs program allows members to support their local club simply by choosing to bank with them, as these clubs will earn cash whenever a member opens an account or takes out any eligible loan products. Finally, Summerland Credit Union was the first to sponsor the Rising Stars Scholarship program with Southern Cross University.

https://www.youtube.com/watch?v=lTCBIjmsi6M

Source: Summerland Credit Union

Summerland CU Low Rate Credit Card

Canstar Research
Rating:
Award: Outstanding Value Credit Cards

Written by: William Jolly | Last updated: