Visa Debit Card
Global, interest-free convenience.
The Credit Union SA Visa Debit Card links directly to your Credit Union SA transaction account, giving you 24/7 access to your own money all over the world – without the possibility of interest charges that come with a credit card.
You’ll have the ability to make fast payments with Google Pay™, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay™ and Visa payWave.
You’ll also be able to temporarily lock your card (if you misplace it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking.
It’s also highly secure, with microchip technology, 24/7 fraud monitoring, Visa’s Zero Liability policy and Visa Secure for online purchases from participating merchants and payWave.
If Visa is not for you, talk to us about a rediCARD.
Paying with Visa is quick, secure, and convenient. And now the smart way to pay also comes with the chance to score an incredible experience at the FIFA Women’s World Cup 2023™, thanks to Visa. You could be part of history as the Australian team takes on the world.
What you could win
- 1 of 10 VIP packages for two people to see the first three games the Australian team play in Sydney, Brisbane, and Melbourne
- Special merchandise to commemorate this incredible occasion
- Travel and accommodation
- The chance to be part of history.
What you need to do
Simply make five 5 eligible transactions using your Credit Union SA Visa Debit Card during the promotional period. Every five eligible transactions count as one entry into prize draw*.
Good luck!
You can't spend money you don't have
So no worrying about interest charges or associated fees.
Acceptance from millions of merchants
Visa’s accepted all around the world.
Fast payWave payments
If it’s under $200, just tap and pay!
Smart chip protection
Increased security against counterfeiting, card skimming and other fraud.
Pay your way: payments that keep up with you
Visa Debit Card fees
Fee
Amount
Monthly Fee
$0
Application Fee
$0
ATM Withdrawal Fee (Australia and Overseas)
(Please note: overseas transactions have a 3% currency conversion fee).
$0
Start your application now
All the convenience of a credit card, with no danger of spending money you don’t have.
If Visa is not for you, talk to us about a rediCARD.
Already a member?
Log in to your Internet Banking and send us a Secure Mail message if you have a specific question about your accounts.
Not a member?
Send us a message and ask us any questions about our products or rates.
Contact us
You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.
FREQUENTLY ASKED QUESTIONS
View all Cards FAQsBoth cards allow you to purchase items online, over the phone and in over 30 million shops worldwide. They also allow you to withdraw cash at over 1.4 million ATMs worldwide.
The difference is that when you transact with your Visa Debit Card, funds are deducted from your bank account whereas with a Visa Credit Card you are making purchases on credit and we’ll send you a monthly statement outlining your transactions and the outstanding balance of your account.
Yes, you can use your card at any ATM. Although, we don’t charge any *fees when using ATMs within Australia, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry.
With a Credit Union SA Visa Debit Card or Visa Credit Card, you can shop at tens of millions of merchants across the globe and withdraw your money at over 2.1 million ATMs worldwide.
Before you head off, make sure you let us know your travel plans so we can accurately assess your transactions and notify you immediately if any suspicious activity takes place. You can do this using your Mobile Banking App or Internet Banking.
Mobile Banking App
Select Overseas Travel from the drop-down menu, then Travel notifications and follow the prompts.
Internet Banking
Select Cards from the top navigation menu, then click Heading overseas and follow the prompts.
Alternatively, you can call us on (08) 8202 7777 or visit us at 400 King William Street, Adelaide.
Security
You’ll be protected by Visa’s Zero Liability Policy. With Visa's Zero Liability policy, you can get protection from fraudulent charges made with your card or account information. This means you can pay with total confidence, knowing you are protected against unauthorised use.
Plus, you now have the option to turn international purchases off at any time (for extra security) using Internet Banking or your Mobile Banking App. You can also turn off domestic purchases and ATM withdrawals – which is a good idea if you’re travelling overseas.
When using your card overseas, fees and charges may apply.
If you want to order a card, please call us on (08) 8202 7777. Alternatively, you can send a Secure Mail message via Internet Banking.
- Activate your card by logging into your Internet Banking and go to the 'Cards' menu
- Call us on (08) 8202 7777 or 1800 188 229 (country SA or NBN)
- Visit us at 400 King William Street, Adelaide
Yes, you can easily turn off your Digital Wallet (which includes your Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, Garmin Pay), using Internet Banking or your Mobile Banking App – here’s how:
Mobile Banking App
- Update the App to the latest version & log in
- Go to the Card management menu item
- Select your card from your card list
- Click on Card controls
- Deactivate your Digital Wallet by clicking the toggle off, alongside the Digital wallet option (to reactivate, just click the toggle back on)
Download Mobile Banking App User Guide
Internet Banking
- Log in to your Internet Banking
- Click on the Cards icon in the top navigation bar
- Select Card management and complete the Two-Factor Authentication
- Click on Card controls alongside the relevant card
- Deactivate your Digital wallet by clicking the toggle off, alongside the Digital wallet option (to reactivate, just click the toggle back on)
If you’ve misplaced your card, you can temporarily deactivate it until it turns up again, using Internet Banking or your Mobile Banking App.
If you suspect your Credit Union SA rediCARD or Visa Debit Card or Visa Credit Card may be gone for good, you should cancel it immediately.
If you’re in Australia:
- Log in to your Mobile Banking App and go to the ‘Card management’ menu item. Select your card from your card list and then ‘Lost or Stolen card’. Select from either ‘Lost card’ or ‘Stolen card’ and follow the onscreen instructions to cancel it. We will automatically issue you with a new card; OR
- Log in to your Internet Banking and select Cards > Card management. Validate your identity and select ‘Report card lost/stolen’. We will automatically issue you with a new card. (Check your postal address prior to changing the status of your card); OR
- Call our Head Office on (08) 8202 7777 (during business hours) or the 24-Hour Card Hotline on 1800 648 027 (if after hours) to notify us of your lost or stolen card.
If you’re overseas:
- Log in to the Mobile Banking App and go to the ‘Card management’ menu item. Select your card from your card list and then ‘Lost or Stolen card’. Select from either ‘Lost card’ or ‘Stolen card’ and follow the onscreen instructions to cancel it. We will automatically issue you with a new card; OR
- Log in to your Internet Banking and select Cards > Card management. Validate your identity and select ‘Report card lost/stolen’. You will need to request a new card by following the instructions below; OR
- Call +612 8299 9101 to cancel your card.
If you’re overseas and need a replacement card:
- Call us on +618 8202 7777 (access code required) during business hours to request a replacement card; OR
- Send us a SecureMail message via your Internet Banking with your request and current location for delivery of your replacement card; OR
- Send us a signed fax on +61 8 8211 9457 with your request and current location for delivery of your replacement card.
Check your account balance and transaction history using either Internet Banking or your Mobile Banking App. If there have been any unauthorised transactions report it to Credit Union SA on +618 8202 7777 during business hours.
Visa payWave is a globally accepted, contactless payment solution. It allows Visa cardholders to complete transactions under $200 without having to swipe or insert their card. You simply wave the Visa card in front of the contactless terminal and go. No need to enter a PIN or sign for the transaction. It's that simple.
However, you can turn payWave off at any time using Internet Banking or your Mobile Banking App. It’s simple to do and puts you in control of the way your card works.
All you need is a Visa card with the payWave feature. All new Credit Union SA Visa cards are issued with payWave enabled.
However, you can turn payWave off at any time using Internet Banking or your Mobile Banking App. It’s simple to do and puts you in control of the way your card works.
You are able to complete up to 20 payWave transactions per day per card with a daily limit set at $1,000.
How to save while paying off debt
A recent report from the OECD found that Australians have one of the largest household debts in the world. So, it’s no surprise that a lot of us feel like we will never get out of debt.
But learning how to make your money work for you and still managing to save could make a big difference.
Mobile Banking App
Available for both Apple and Android smart devices, the Credit Union SA Mobile Banking App allows you to utilise all the best functionality of our website and Internet Banking services – anytime and anywhere you have an internet connection.
Digital Wallet
Digital wallets can be used to pay for purchases via a Credit Union SA Visa Debit Card or Visa Credit Card loaded into your smart device, wherever mobile payment systems are offered.
The credit union difference
We’re here to help South Australians do more with their money, so that in turn they can make more of life. That could involve help buying a home or car, saving for a holiday, insuring property, or simply getting the household finances under control.
It’s an approach that – coupled with our proud commitment to strengthening our local South Australian communities for a brighter future – has already attracted over 50,000 members.
GUIDES AND NEWS
How we
can help
Contact us
You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.
Call us
We’re here to answer any questions you might have – make sure you have your Access Code ready!
Visit us
400 King William Street, Adelaide has self-service options available to make your life easier.
Mobile Lending Managers
Our Mobile Lending Managers can help our members by phone or email, with video calls now available.
INFORMATION YOU SHOULD KNOW
1
We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply.
2
Android, Google Pay, and the Google Logo are trademarks of Google LLC. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
3
The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/legal/terms-and-conditions/target-market-determination