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Home Loan Visa Credit Card

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Basic

Electronic Wallet Service

Important Rates

Rates

Balance Transfer

Overseas spending

Rewards

Eligibility

Features

The Hunter United Home Loan Visa credit card has a moderately low annual fee, moderately low interest rates and a moderate number of interest-free days. The card has a high credit limit and charges a low late payment fee each month a payment is missed. This card does not come with an associated rewards scheme, nor does it offer complimentary travel or purchase insurance policies.

Card holders of the Hunter United Home Loan Visa credit card are granted access to Hunter United’s internet banking portal, which helps customers manage their finances.

Because Hunter United is a customer-owned bank, the Hunter United Home Loan Visa credit card is only available to those who are Hunter United members.

The Hunter United Home Loan Visa credit card can be used anywhere that Visa is accepted.

Pros
  • High credit limit
  • Low late payment fee
  • Moderately low interest rates
Cons
  • Charges an annual fee
  • No rewards program
  • No complimentary insurance

 

Who is it good for?

The Hunter United Home Loan Visa credit card may suit those in search of a low-rate credit card to help them make large purchases. The Hunter United Home Loan Visa credit card offers moderately low interest rates on purchases and allows a moderate interest-free period.

The Hunter United Home Loan Visa credit card is not particularly well suited for overseas travellers. This card charges an international transaction fee, which applies when a purchase is made overseas or a purchase is made within Australia from a foreign vendor. The card also charges a currency conversion fee each time a purchase is made in a currency other than Australian dollars.

This card may not be a good fit for customers who want to minimise the costs associated with credit cards. The card charges a moderately low annual fee, as well as international transaction fees and late payment fees.

What RateCity says

The Hunter United Home Loan Visa credit card may be a practical choice for existing Hunter United members who are in need of additional credit. The card offers competitive interest rates and a moderately low annual fee.

However, this card has few benefits for customers who wish to transfer existing debt or customers who want credit card rewards. Unlike some other low-rate credit cards, the Hunter United Home Loan Visa credit card does not offer an introductory transfer balance deal for budget card holders with existing debt.

The card also does not have an associated rewards scheme for reward-seeking customers. The card does not earn points or frequent flyer miles on eligible purchases. Customers in search of rewards should consider a credit card with a rewards program that suits their preferences.

Applying/eligibility

Customers can apply for the Hunter United Home Loan Visa credit card through a secure online portal. Applications can be saved and completed at a later date. To be eligible, you must be at least 18 years old, an Australian citizen or permanent resident and meet Hunter United’s serviceability criteria, including a minimum yearly income. When applying, you’ll need to provide personal, employment and financial details, including contact details, income and residency status.

About Hunter United

Hunter United is a customer-owned bank that seeks to serve individuals at every stage of life. With a history that spans over 50 years, Hunter United is an alternative to big banks. They provide financial services including home, personal and car loans, credit cards, bank accounts, superannuation products and a range of insurance policies including home, car and lifestyle insurance. Hunter United is a member of the Customer Owned Banking Association.

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