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Unity Bank · Credit cards

Platinum Visa Credit Card

Unity Bank's Platinum Visa Credit Card is a credit card. The figures are the ones Unity Bank publishes under the Consumer Data Right today. The advertised rate has not moved since we began tracking it.

Advertised rate
19.99%
headline tier
Tiers
2
current rate rows
Last moved
Never
since tracking began
19.99%5 October 20264 November 2026

Advertised rate, last 30 days. Unchanged over the last 30 days.

Every current rate (2)

TierRate
Purchases19.99%
Cash advances21.99%

Rate moves, last 30 days

No rate moved on this product in the last 30 days.

Published fees

FeeAmount
Emergency cash/card visa creditreplacement: Third party fee charged when you need an emergency replacement card delivered to you (fee is charged at cost)$0
Annual credit card fee - platinumrecurring: An annual fee charged for Platinum Visa Credit Card product$299
Credit card statement fee - gcmbrecurring: A fee charged to cover the cost of producing and sending paper statements$2
Late payment feewhen it happens: A fee charged when you don't make your minimum monthly payment, plus any overdue amount$15
Outward RTGS payment feeper withdrawal: A Processing fee charged when you require funds to be sent straight away$30
Inward RTGS and SWIFT payment feeper deposit: A processing fee charged when you receive funds through this channel$10
EFTPOS decline feeper transaction: A fee charged if you don't have enough money in your account for an EFTPOS transaction$1
ATM insufficient fundsper transaction: A fee charged if you don't have enough money in your account for an ATM withdrawal$1
Quickdebit dishonour feeper transaction: A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you$20
Foreign currency conversion feeper transaction: Foreign currency conversion fee charged on transaction value in AUD (overseas transactions)see lender
Visa cash advance feeper transaction: A fee charged for cash advances and overseas transactions will attract an additional currency conversion fee$4

Other Unity Bank credit cards

Low Rate Visa Credit Card 7.49%Business - Low Rate Credit Card 12.49%

Get an email the morning Unity Bank moves this rate.

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