My Credit Union


Horizon's award winning VISA Credit Card can be used for everyday purchases. It can be used online, over the phone and is accepted internationally. Cash advances at ATMs are also available.

4.99% pa
Special interest rate1

12.95% pa
Normal Credit Card interest rate

  • No annual fee
  • Up to 55 days interest free on purchases
  • A low everyday interest rate
  • Accepted internationally
  • Same interest rate for purchases & cash advances
  • payWave facility which allows you to tap & pay for purchases under $100. Purchases over $100 will require a PIN.

Apply Online Ask Horizon Call 1300 366 565 Credit Card Key Fact Sheet

1.The special rate is available for 5 months from the date of the credit card offer. The rate applies to all purchases & balance transfers conducted within that period. Terms & conditions, fees & charges apply and are available on request. Normal credit criteria apply. At the end of the 5 month period the rate will revert to the everyday credit card rate.

  Additional Information

VISA Credit Card
Interest Rates
Special interest rate4.99% pa1
Interest rate12.95% pa
Card Features
Minimum Amount$1,000
Maximum Amount$30,000
Loan periodOngoing
RepaymentsWeekly, fortnightly or monthly
InterestCalculated daily, charged monthly
Variable and lump sum repayments Yes
Top up facilityYes
Establishment fee$0
Administration fee$0
Early repayment fee$0 


Joel & Amanda Rifkin wrote

"'The professional service and ease to contact the bank manager by a simple phone call or email and have all your questions answered immediately. Horizon proved their commitment to us when we lived in remote Australia for 4 years, they went above and beyond to make things happen for us. Where else would you get that type of personal service? We could not imagine banking with anyone else! Thank you Horizon Credit Union for making your customers your first priority."

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1 The special rate is available for 5 months from the date of the approved application. Please remove 'approved application' and replace with credit card offer