Visa Credit Card - UNITY

 General Lending Rates

• Lending Rate Type: Purchase
• Interest Rate: 13.49%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Card Access

• Additional Cards Additional Information: Available to anyone aged over 16 and added as an Authority to Operate on the Account

• Overdraft Additional Information: Credit limit subject to meeting approval criteria

• Balance Transfers Additional Information: Low balance transfer rate for the first 6 months

• Interest Free Additional Information: Interest free period on purchases (as long as the balance is paid in full)

• Digital Wallet

• Digital Banking

• Npp Payid

• Npp Enabled

• Notifications

• Other Additional Information: No additional card fees

• Other Additional Information: Annual card fee waived for the first year

• Other Additional Information: Worldwide card acceptance

• Other Additional Information: Cash Advance Facilities

• Other Additional Information: Introductory discount rate for the first 6 months

• Other Additional Information: Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.

 Product Eligibility

• Min Age - 18.

• Residency Status - Australian Citizen Or Permanent Resident.

• Other Additional Information: Eligibility criteria, terms and conditions, fees and charges apply.

• Other Additional Information: As a Customer Owned Bank, customers must become a shareholder of Unity Bank to open an account.

 Bank Fees and Charges

• Arrears Management Expense (Event), Amount: 20.00.

• Bank@post Dishonour Fee (Event), Amount: 21.90.

• Bank@post Withdrawal Fee (Transaction), Amount: 2.60.

• Bank Audit Certificate (Event), Amount: 50.00.

• Bank Cheques (Event), Amount: 15.00.

• Copies Of Previous Statements (Event), Amount: 2.50.

• Corporate Cheque (Event), Amount: 3.00.

• Declined Atm/eftpos Transaction Fee (Withdrawal), Amount: 1.00.

• Default Notice Fee (Event), Amount: 20.00.

• Direct Debit Dishonour Fee (Event), Amount: 17.00.

• Direct Debit Honour Fee (Event), Amount: 17.00. Additional Information: Interest at the applicable rate will be charged on the overdrawn/over limit amount

• Dormant Account Keeping Fee (Periodic), Amount: 20.00. Additional Information: Or the prevailing maximum amount determined by legislation

• Foreign Cheque Deposits (Deposit), Amount: 15.00. Additional Information: Plus other bank charges at cost

• Foreign Currency (Event), Amount: Not Listed..

• Frequent Statement Fee (Periodic), Amount: 2.00.

• Incoming Swift & Telegraphic Transfer Deposits (Transaction), Amount: 10.00.

• International Conversion Fee (Transaction), Amount: Not Listed..

• International Funds Transfer - Cancellation Or Trace (Event), Amount: 25.00.

• International Funds Transfer - Sending Aud Currency Overseas (Transaction), Amount: 50.00.

• International Funds Transfer - Sending Foreign Currency Overseas (Transaction), Amount: 30.00.

• International Funds Transfer - Transaction Processed Online (Transaction), Amount: 20.00.

• Overdrawn Account Fee (Event), Amount: 21.00.

• Quick Debit Supplier Dishonour Fee (Event), Amount: 25.00.

• Special Clearance Fee (Event), Amount: 45.00. Additional Information: Any fee charged by National Australia Bank will apply

• Swift Transaction (within Australia) (Transaction), Amount: 30.00.

• Unofficial Agency Transaction (Withdrawal), Amount: 0.00. Additional Information: Other Mutuals/ Credit Unions may allow members to withdraw funds from their account in an emergency. Charges imposed by other Credit Unions will be charged to the member directly

• Visa Card Chargeback (Event), Amount: 23.00. Additional Information: The fee will apply where evidence suggests you participated and or authorised the transaction, or failed to sufficiently protect your card details.

• Visa Card Voucher Retrieval (Event), Amount: 18.00.

• Visa Credit Card Annual Fee (Periodic), Amount: 60.00. Additional Information: Waived for the first 12 months

• Visa Credit Card Over Limit Fee (Event), Amount: 21.00. Additional Information: Interest will be charged on the over limit balance at the Credit Card interest rate applicable at the time

• Visa Emergency Transactions (Event), Amount: 350.00.

 Limitations & Restrictions (Constraints)

• Min Limit of 1000.00

• Max Limit of 30000.00 Additional Information: Subject to ability to repay