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Australian Central Credit Union
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Australian Central gives you a variety of card options, supported by the two most recognised names in cards - MasterCard and Visa.Your Australian Central MasterCard or Visa Card allows you flexible access to your funds wherever the MasterCard or Visa symbols are displayed.

But that's not all! Through Australian Central's affiliation with MasterCard, Visa and a number of other service providers, we have ensured you have access to your funds via cards that are accepted extensively throughout the world.

    

Credit Card Card Details Interest Rate Annual Fee Interest Free Days Cash Advance Rate Balance Transfer Rate Rewards Plan / Extras

Australian Centrals Silver MasterCard ACCU Silver Master Card

 Australian Central's MasterCard offers up to 55 days interest free credit, as well as a choice of two Rewards Programs including one that converts Rewards points into Qantas Frequent Flyer points*. 17.99% p.a. $35 55 See provider 4.90% p.a. for life of balance transfer Every dollar you spend using your Australian Central MasterCard (excluding balance transfers and cash advances) earns you 1 Reward point towards a range of achievable rewards. There are two types of programs:  
Australian Centrals Gold Standard MasterCardACCU Gold Standard Low Rate Master Card Australian Central's Visa Card gives you the option of accessing your money by using it as either a debit card linked to your savings or a "credit card" linked to your approved overdraft. 11.85% p.a. $75 55 See provider 4.90% p.a. for life of balance transfer N/A  
Australian Centrals Gold Rewards MasterCardACCU Gold Rewards Master Card This is one of the better low fee low hassle credit cards available. Also offered is a free additional card for a family member. 17.99% p.a. $99 55 See provider 4.90% p.a. for life of balance transfer Every dollar you spend using your Australian Central MasterCard (excluding balance transfers and cash advances) earns you 1 Reward point towards a range of achievable rewards. There are two types of programs:  

Australian Central's MasterCard offers up to 55 days interest free credit, as well as a choice of two Rewards Programs including one that converts Rewards points to Qantas Frequent Flyer Points *. You can also have the ability to purchase big ticket items at a reduced rate.

The Australian Central MasterCard is provided by Citibank Pty Ltd ABN 88 004 325 080 AFSL No. 238098 who currently provide MasterCard and processing services to over 110 affiliated credit unions Australia-wide.

Silver or Gold Card options

You have the choice of a Silver card or Gold card when applying for a MasterCard. The Gold card includes all the standard features, plus extra benefits such as higher credit limits, free comprehensive overseas travel insurance, and a choice between a wide range of Rewards including travel options or automatic conversion to Qantas Frequent Flyer points* monthly.

Reward Program

Every dollar you spend using your Australian Central MasterCard (excluding balance transfers and cash advances) earns you 1 Reward point towards a range of achievable rewards. There are two types of programs:

Standard Rewards

You can access a wide range of rewards including magazine subscriptions, shopping and travel vouchers, movie tickets, household goods and wine.

Card Services Qantas Rewards (Gold Card only)

You can choose to upgrade to this premium Rewards program, which will transfer your Rewards points to your Qantas Frequent Flyer membership - one for one*. Your points will be automatically transferred to Qantas Frequent Flyer points at the end of each statement period.

Both programmes offer a number of attractive features including no points expiry (providing account remains open and in good working order) and the ability to earn extra points at selected bonus partners.

To take advantage of your Rewards all you need to do is phone the Rewards Centre on 1300 136 551 or visit the Card Services website at www.cardservicesdirect.com.au.

Annual Fee

Silver Card (standard rewards) - $35.00
Gold Card (standard rewards) - $75.00
Gold Card (BlueSky rewards) - $99.00

The annual fee is charged then annually from the first charge date. The annual fee can be paid using Rewards points (once it has appeared on your statement).

Other fees also apply to your Australian Central MasterCard - click here to find out more about MasterCard fees.

Interest free days

Up to 55 days interest free credit gives you financial flexibility. Pay off your balance within this interest-free period and you'll avoid interest on your credit card purchases all-together.
Please note: interest free days only apply to credit purchases. Cash advances, balance transfers and other charges (e.g. interest, fees etc) are not included in the interest free days.

Click here to take a look at our competitive MasterCard rates.

Using your MasterCard

You can use your Australian Central MasterCard to:

  • Make credit purchases at any retailer or business where the MasterCard symbol is displayed.
  • Make cash advances at any ATM or financial institution accepting MasterCard (fees apply).
  • Make credit transactions at EFTPOS outlets (please note cash cannot be withdrawn).