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If you are an Australian resident, over 18 years old, earning $20,000 or more a year or over 55 years old and earning over $15,000pa, 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 $20,000 ($15,000 for over 55's) 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, The Qantas Rewards option 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. Just refer to the Card Services website or the Rewards Service Centre can be contacted by phone on 1300 136 551.

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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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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 Qantas Rewards at any time. 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 Qantas Rewards must first request, and be approved, for a Gold card upgrade.

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An annual fee of $45 is payable for the Silver Credit Union MasterCard, which includes free automatic enrolment in the Standard Rewards programme.

An annual fee of $85 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 $118.

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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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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.