Visa Credit Card
- Last updated on 04 Apr 2020
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Balance Transfer Rate
Max Free Days
Number free supplementary
Interest Free Days
Interest Free Days
Maximum credit limit
Late Payment Fee
Minimum credit limit
Over limit fee
Minimum repayment dollars
Duplicate statement fee
Minimum repayment percent
Supplementary card annual fee
Cash advance rate
Balance Transfer Rate
Balance Transfer Rate
Balance Transfer Fee
Foreign Exchange Fee
2.5% on Visa
Estimated ATM Cost
for AU $300 withdrawal
457 Visa holder
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Woolworths Employees’ Credit Union has been providing financial services to Woolworths employees and their immediate family members since 1971.
All members pay a fee when joining, making them equal part owners with other members of Woolworths Employees’ Credit Union. According to Woolworths, profits are put back into the credit union to help improve products and services for members.
Members have access to credit card services, everyday bank accounts, savings accounts, loans, insurance and financial planning.
The Woolworths Employees Credit Union Visa credit card has a low annual fee, moderate interest rates and a moderate number of interest-free days. Interest charges are calculated daily and charged monthly. The card also offers fee-free balance transfers.
Because the card is supplied by the Woolworths Employees’ Credit Union (WECU), this card is only available to WECU members. All Woolies employees and their family members are welcome to join WECU.
The Woolworths Employees Credit Union Visa credit card is accepted at over 24 million locations worldwide, so you can use your card anywhere that Visa is accepted.
Card holders are granted access to online banking, which allows customers to manage their account through a secure online portal. Telephone banking is also available for those who prefer to manage their card over the phone.
- Fee-free balance transfers
- Low annual fee
- Online banking available
- No rewards program
- No frequent flyer points
- No complimentary insurance
Who is it good for?
The Woolworths Employees Credit Union Visa credit card might suit those who are members of WECU and want a simple credit card for everyday spending. The card charges moderate interest rates as well as a moderate interest-free period, so it may be more suitable for those who typically pay their bill in full each month.
The Woolworths Employees Credit Union Visa credit card also offers fee-free balance transfers, which may be helpful to potential card holders that are looking to transfer existing debt to a new card.
This card is only available to members of the Woolworths Employees’ Credit Union. Only Woolworths employees and their family members are able to join the Woolworths Employees’ Credit Union. As such, this is not a feasible credit card for potential card holders who are not current Woolies employees.
What RateCity says
The Woolworths Employees Credit Union Visa credit card may be a practical choice if you are already a member of the Woolworths Employees’ Credit Union, or if you are a Woolworths employee who is planning to become a member. The card offers moderate rates and a low annual fee, which may make it an attractive offer for some Woolworths employees.
However, card holders who struggle to clear their credit card debt each month can find cards on the market with lower interest rates than the Woolworths Employees Credit Union Visa credit card can offer.
In addition, this card does not offer any sort of rewards scheme, which means that card holders do not receive points, cash back or frequent flyer miles for their purchases. While the card’s interest rates are moderate, there are cards with comparable rates that also offer rewards.
The Woolworths Employees Credit Union Visa credit card is only available for members of Woolworths Employees Credit Union (WECU). You must be a Woolworths employee to become a member of WECU. When you apply, you’ll need to provide personal details including name, date of birth, mailing address and phone number. You’ll also need to complete an income summary as well as list your assets. A list of your current loans may also be applicable.
About Woolworths Employees’ Credit Union
Woolworths Employees’ Credit Union, also called WECU, is an Australian credit union. This means that, unlike banks, WECU is owned by its members. WECU has served Woolworths employees for almost 50 years, providing an alternative to large banks and other financial institutions. Woolworths Employees’ Credit Union provides a range of financial products and services such as savings and investment accounts, credit cards, loans, health and others insurances, and financial planning.
Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.
The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.
Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.
Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.
The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers. Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14.
The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid.
Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.