Visa Credit Card

Compare

Basic

Card Level
Card Level
Standard
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
No set max
Minimum credit limit
Minimum credit limit
$2,000
Minimum repayment dollars
Minimum repayment dollars
$0
Minimum repayment percent
Minimum repayment percent
3
Number free supplementary
Number free supplementary
0
Annual Fee
Annual Fee
$25
Late Payment Fee
Late Payment Fee
$0
Over limit fee
Over limit fee
$0
Duplicate statement fee
Duplicate statement fee
$0
Supplementary card annual fee
Supplementary card annual fee
$25
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available
Card Level
Card Level
Standard
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
No set max
Minimum credit limit
Minimum credit limit
$2,000
Minimum repayment dollars
Minimum repayment dollars
$0
Minimum repayment percent
Minimum repayment percent
3
Number free supplementary
Number free supplementary
0
Annual Fee
Annual Fee
$25
Late Payment Fee
Late Payment Fee
$0
Over limit fee
Over limit fee
$0
Duplicate statement fee
Duplicate statement fee
$0
Supplementary card annual fee
Supplementary card annual fee
$25
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available

Rates

Purchase Rate
Purchase Rate
13.45%
Cash advance rate
Cash advance rate
13.45%
Purchase Rate
Purchase Rate
13.45%
Cash advance rate
Cash advance rate
13.45%

Balance Transfer

Balance Transfer Rate
Balance Transfer Rate
Transfer Limit
Transfer Limit
100%
of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$0
Balance Transfer Rate
Balance Transfer Rate
Transfer Limit
Transfer Limit
100%
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
$1.5
Estimated ATM Cost
Estimated ATM Cost
$9
for AU $300 withdrawal
Foreign Exchange Fee
Foreign Exchange Fee
2.5% on Visa
Overseas charges
Overseas charges
$1.5
Estimated ATM Cost
Estimated ATM Cost
$9
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
Minimum age
Minimum age
18
Minimum income
Minimum income
Eligibility conditions
Eligibility conditions

Perks

    Features

    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.

    Pros
    • Fee-free balance transfers
    • Low annual fee
    • Online banking available
    Cons
    • 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.

    Applying/eligibility

    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.

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