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UniBank · Credit cards
Credit Card
UniBank's Credit Card is a credit card. The figures are the ones UniBank publishes under the Consumer Data Right today. The advertised rate last moved on 9 May 2026, up from 7.90% to 11.50%.
Advertised rate
11.50%
headline tier
Tiers
5
current rate rows
Last moved
+3.60pp
9 May 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (5)
| Tier | Rate |
|---|---|
| Balance transfer, promotional period | 7.90% |
| Introductory 6 monthsIntroductory interest rate applies to balance transfer and purchase transactions for the first 6 months from the date of the Letter of... | 7.90% |
| Balance transfer, standard | 11.50% |
| Cash advances | 11.50% |
| Purchases | 11.50% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Late payment feelate payment: Payable by debit to your account when the minimum payment on a Credit Card account is not received by the due date. | $10 |
| Card replacement feewhen it happens: Payable when you request a replacement card. | $10 |
| ATM withdrawals overseasper transaction | $4 |
| International conversion feeper transaction: 2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. | see lender |
| Cash advances feeper cash advance: Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. | $4 |
| Default notice feewhen it happens: Payable when we send you a default notice asking you to remedy a default under your credit contract. | $25 |
Get an email the morning UniBank moves this rate.
Every UniBank rate · every credit card rate compared · other lenders · this product in the explorer.