How to Apply for your Low Rate Visa Credit Card

In today’s busy world, being able to make payments and purchases quickly and safely is essential. In this article you will find out how choosing a good credit card can help you manage that.

Have you ever thought about how technology can positively impact your banking habits and how it can be used in order to improve the customer’s time usage, while making payments and purchases intelligent and safe?

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If this is what you are looking for in a credit card in addition to lower fees and good rating conditions, Low Rate Visa Credit Card may be an ideal choice for your profile, since it offers all these benefits in one. Whether in your daily life or traveling abroad for both leisure and work, this option offers benefits that may interest you.

Prerequisites

First of all, you must know that, like in any other bank, to apply for this credit card there are a few rules you need to follow, such as being at least 18 years old; be an Australian permanent resident, and meet Australian Unity Bank’s assessment criteria. It is also important to note that if you are currently living outside Australia it is not possible to apply for the card.

To open your account you will also need to complete an application form (available online) that requires you to provide information about your identity. Another important fact is that if you have Aboriginal and Torres Strait Islander Heritage, and you do not have standard identification documents, you should contact the bank to see how your identity can be verified, in order to apply for the card.

Low Rate Visa Credit Card Conditions of Use

What are the rates and main features of this credit card?

One thing that everyone is always interested about when choosing a credit card is to know how the payment conditions work and what benefits are available. Take a look on the information we have listed for you bellow:

• Up to 45 days interest free on purchases;
• Feel safe and protected against fraud by using Visa Zero Liability Protection for free;
• Enjoy the possibility of managing your account from anywhere in the world by simply using your mobile app;
• Enjoy the possibility of using payWave technology, making your time shopping faster and efficient.

Other interesting information is regarding safety, since the card has a technology that allows you to temporarily lock it by using your mobile app, if you ever see a suspicious activity. It also provides you emergency assistance if you lose your card, whether you are in Australia or abroad.

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On the other hand, it is important for the customer to be aware that the card is not free of fees and charges. Therefore, it is essential to take these costs into account when planning expenses, including:

• 9.90% p.a. interest rate for purchases and $59 annual fee for the Low Rate Visa Credit Card;
• $20 replacement card fee within Australia;
• $10 late payment fee;
• $5 cash advance fee charged for each cash withdrawal at an Australian or overseas ATM.

For a complete list of all applicable fees and charges, please refer to the full fee schedule.

Get to know Australian Unity

Low Rate Visa Credit Card is provided by Australian Unity, a group with more than 180 years in the Australian market and considered the country’s first wellbeing company. Created in 1840, some of the services offered by the institution are related to credit cards, bank accounts, loans and insurance.

Since 2000, Australian Unity has also been measuring the real wellbeing of the people in Australia, an action that is provided by a partnership with Deakin University. Together, the institutions work on an index that measures how satisfied people feel about their lives. Created more than 20 years ago, this study holds a status of credibility and seriousness, focusing on what is called the “seven domains of wellbeing”.

How do I know if this is the correct credit card for me?

When choosing a card, the first thing you need to do is to understand your profile and what you are looking for. Be honest about what your financial goals are and what you need to do to accomplish them, so that you can decide intelligently and choose an option that really matches your lifestyle.

Think for yourself: are you looking for rewards? To save on interest? Cashback? Miles? Compare and analyse the options available and choose the right card for you.

Low Rate Visa Credit Card is an option for people who want lower annual fees and who are looking for technological and practical solutions that can be accessed easily from anywhere. That being said, if what you are looking for is a competitive interest rate, to minimize interest charges and to have a convenient tool in the palm of your hands, then this may be a suitable option for you.

How can I apply for this card?

Like many other services in the present, Low Rate Visa Credit Card allows you the possibility to apply for it completely online by simply filling an application form available on their website. To do that is really easy, you just need to follow these steps:

1. Access the website;
2. Read the questions of the application form carefully;
3. Fill in the blanks with the personal information requested;
4. Click “next” until you complete product, personal and financial details;
5. Make sure you have done the full application before submitting it.

It is important that you do your research and read all the information available online before doing your application, so that you are sure you understood all the rules and details about the service you are requesting.

Read more by clicking here and if you have more questions and doubts, please consider contacting the bank: 13 29 39.

Conclusion

Choosing a credit card can be challenging, so it is very important that you set your financial goals to avoid impulsive decisions, consider all the advantages and compare your possibilities. Make sure you know exactly what benefits you want and if the conditions offered do match your profile.

If what you are looking for is a lower rate and technological tool that can help you manage your bills and purchases easily, and to feel safe while doing your transactions, then applying for a Low Rate Visa Credit Card may be a suitable option for you.

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