Light Visa Credit Card

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Basic

Card Level
Card Level
Gold
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
$30,000
Minimum credit limit
Minimum credit limit
$1,000
Minimum repayment dollars
Minimum repayment dollars
$20
Minimum repayment percent
Minimum repayment percent
2.5
Number free supplementary
Number free supplementary
0
Annual Fee
Annual Fee
$25
Late Payment Fee
Late Payment Fee
$9
Over limit fee
Over limit fee
$9
Duplicate statement fee
Duplicate statement fee
$2
Supplementary card annual fee
Supplementary card annual fee
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available
Card Level
Card Level
Gold
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
$30,000
Minimum credit limit
Minimum credit limit
$1,000
Minimum repayment dollars
Minimum repayment dollars
$20
Minimum repayment percent
Minimum repayment percent
2.5
Number free supplementary
Number free supplementary
0
Annual Fee
Annual Fee
$25
Late Payment Fee
Late Payment Fee
$9
Over limit fee
Over limit fee
$9
Duplicate statement fee
Duplicate statement fee
$2
Supplementary card annual fee
Supplementary card annual fee
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available

Rates

Purchase Rate
Purchase Rate
11.99%
Cash advance rate
Cash advance rate
18.99%
Purchase Rate
Purchase Rate
11.99%
Cash advance rate
Cash advance rate
18.99%

Balance Transfer

Balance Transfer Rate
Balance Transfer Rate
0%
for 6 months then 18.99%
Transfer Limit
Transfer Limit
80%
of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$0
Balance Transfer Rate
Balance Transfer Rate
0%
for 6 months then 18.99%
Transfer Limit
Transfer Limit
80%
of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$0

Overseas spending

Foreign Exchange Fee
Foreign Exchange Fee
2.5% on Visa
Overseas charges
Overseas charges
Estimated ATM Cost
Estimated ATM Cost
$7.5
for AU $300 withdrawal
Foreign Exchange Fee
Foreign Exchange Fee
2.5% on Visa
Overseas charges
Overseas charges
Estimated ATM Cost
Estimated ATM Cost
$7.5
for AU $300 withdrawal

Rewards

Program name
Program name
Rewards Available
Rewards Available
Program name
Program name
Rewards Available
Rewards Available

Eligibility

Minimum age
Minimum age
18
Minimum income
Minimum income
Eligibility conditions
Eligibility conditions
You must be able to service the $1000 minimum credit limit and you must be working or retired with a regular income
Minimum age
Minimum age
18
Minimum income
Minimum income
Eligibility conditions
Eligibility conditions
You must be able to service the $1000 minimum credit limit and you must be working or retired with a regular income

Perks

  • Special EventsProvided through Visa entertainment and includes ticket pre-sales and exclusive offers

Features

The Holiday Coast Credit Union Light Visa credit card offers a moderately low interest rate on purchases for a moderate number of interest-free days.

Zero per cent interest is available on balance transfers for a limited time. After this period, the cash advance rate applies, which is moderately high.

For a low annual fee, you could access the benefits of a Visa credit card which includes 24-hour fraud monitoring.

The Holiday Coast Credit Union has an app available so that you can manage your Light Visa online. You can also load your credit card details into Apply Pay for contactless payments.

One additional cardholder can be included on the primary account at no extra cost. This person must be at least 16 years old.

There is no points or rewards program associated with the Holiday Coast Credit Union Light Visa credit card. 

Pros
  • Low annual fee
  • 0% balance transfer
  • Additional cardholder free
Cons
  • Late payment fee
  • No points or rewards
  • Moderately high cash advance rate

Who is it good for?

The Holiday Coast Credit Union Light Visa may be an option if you want a low-cost credit card for daily use. 

This Visa offers a moderately low interest rate and a moderate number of interest-free days for purchases.

There’s no rewards or points program attached to this card. If you wanted additional benefits from your transactions, this may not be a suitable option.

Balances can be transferred from another credit over to the Holiday Coast Credit Union Light Visa. Zero per cent interest is available for a limited time.

After this, the cash advance interest rate applies, which is moderately high.

The card is protected by Visa technology, and once onto Apply Pay, you could enjoy another layer of security.

If you’re an existing Holiday Coast Credit Union customer, you could benefit from being able to manage your credit card along with other accounts in the one place.

What RateCity says

The Holiday Coast Credit Union Light Visa credit card is budget-friendly with a minimal number of fees.

It doesn’t offer all the fringe benefits available to platinum Visa credit cards. However, Visa Entertainment is an option for cardholders.

And there are no points to earn for using the card instead of cash.

The low annual fee is complimented by a moderately low interest rate on purchases. And an additional cardholder can be included on the account at no extra cost.

Apple Pay and Tap Wallet contactless transaction apps make the card convenient and secure to use. All transactions on the card are overseen by 24-hour fraud monitoring.

It’s a simple, straightforward credit card that’s easy to manage. The only fees to consider are an annual fee and late payment fee for missed repayments. 

Applying/eligibility

To be eligible for a Holiday Coast Credit Union Light Visa credit card, you must be at least 18 years old. You need to be an Australian citizen or a permanent resident of Australia. You can’t be currently bankrupt or insolvent. Information to have on-hand for your application includes evidence of income, assets and liabilities. You can apply online, over the phone or in a branch. Acceptable forms of identification include a driver’s licence, Medicare card or passport. 

About Holiday Coast Credit Union

The Holiday Coast Credit Union is a customer-owned business that services the New South Wales north coast. It provides home loans, car loans, personal loans, savings, credit cards, investments and transaction accounts. A board of directors is responsible for the management of Holiday Coast Credit Union. Holiday Coast Credit Union is regulated by the standards applicable to all Australian banks, building societies and credit unions. Its headquarters is located in Wauchope, New South Wales.

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