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If you are an Australian resident, over 18 years old, earning $15,000 or more a year, and a Unicredit member, you can apply for a Credit Union MasterCard.

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Click here to download an application form or you can collect an application form from your nearest Unicredit branch. Simply complete and mail the application to Card Services or return it to a branch.

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Yes, to enjoy the benefits of a Credit Union MasterCard, you do need to be our member.

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While we will try and process your application as soon as possible you should allow up to 3 weeks for your application to be processed and for your new MasterCard and PIN to be posted to you.

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You have the choice of applying for a Silver card or Gold card (subject to the minimum income criteria of $15,000 p.a. for Silver and $35,000 p.a. for Gold cards). The Gold card includes all the standard features, plus extra benefits such as higher credit limits, access to BlueSky Rewards and free comprehensive travel insurance. See Key Features for more information.

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You earn one Rewards point for every dollar you spend using your Credit Union MasterCard, so use it to pay for everyday shopping, household bills and more to accumulate points faster. Cash advances and balance transfers are excluded. Purchases made by additional cardholders on your account also earn you Rewards points.

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No. There is no additional cost for the Rewards programme.

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Yes. Currently 4,400 Rewards points are required to pay the annual fee on the Silver Credit Union MasterCard; 11,400 points are required to pay the annual fee on the Gold card with Standard Rewards and 11,900 points are required to pay the annual fee on the Gold card with BlueSky Rewards.

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Customers should contact the Rewards Service Centre to redeem their points for rewards. The Rewards Service Centre can be contacted by phone on 1300 136 551.

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The standard Rewards programme offers a wide range of rewards including a great range of store vouchers, Take Flight, charity donations and much more. BlueSky Rewards offers all the rewards of the Standard programme, plus the option to redeem points for Qantas Frequent Flyer points, and a range of other premium rewards. The BlueSky Rewards programme is only available on Gold accounts.

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No, if you’d like to redeem BlueSky Rewards points for Qantas Frequent Flyer points you will need to contact the Rewards Service Centre to organise for the points to be transferred to your Qantas Frequent Flyer account. If you’re not already a Qantas Frequent Flyer member, you will need to join the programme before redeeming your BlueSky points for Qantas Frequent Flyer points. To join Qantas Frequent Flyer, you will need to contact Qantas directly. A joining fee applies (currently $82.50).

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Contact Qantas directly on 13 13 13 or visit www.qantas.com

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Yes, if you are a Gold cardholder you may transfer from the Standard Rewards to BlueSky Rewards at any time. Upon transfer to the BlueSky Rewards programme, points are converted at a rate of two standard Rewards points to one BlueSky Reward point. For example, 1000 standard points equals 500 BlueSky points.

The higher annual card fee is charged on your next renewal date, and a pro-rata fee for the current year may apply.

Please note: Silver cardholders who wish to transfer to BlueSky Rewards must first request, and be approved, for a Gold card upgrade.

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Yes, you are able to transfer from BlueSky to Standard rewards at any time. Upon transfer, points are converted at the rate of one BlueSky Reward point to one standard Reward point.

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An annual fee of $35 is payable for the Silver Credit Union MasterCard, which includes free automatic enrolment in the Standard Rewards programme.

An annual fee of $75 is payable for the Gold Credit Union MasterCard, which includes free automatic enrolment into Standard Rewards. A Gold Card with BlueSky Rewards carries an annual fee of $99.

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You can make payments using BPAY (via telephone banking or internet banking), over the counter at Australia Post outlets (a fee applies), by cheque or by Easi-Pay. With Easi-Pay, repayments are automatically transferred from your nominated credit union or bank account.

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$30 or 2% of the outstanding balance (whichever is the greater).

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A statement, which details your account balance, available credit, transactions and payment due, will be issued monthly.  In addition, all your account details are available at your fingertips by going to www.cardservicesdirect.com.au.

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For general card information, or to request a copy of the Credit Union MasterCard Terms and Conditions booklet, contact Card Services on 1300 135 538.

For Rewards enquiries, contact the Rewards Service Centre on 1300 136 551.