The Credit Union Redicard is an access card to your Savings Account. It is not a Credit Card and cannot be used as such. Its purpose is to save you from having to carry large sums of cash.

You can use your Credit Union Redicard only in Australia and in most ATM's as follows:

• to obtain cash up to $1,000 per day from a number of Australian Automated Teller Machines (ATM's) Your PIN (Personal Identification Number) must be input to obtain access.
• to purchase goods or services and/or obtain cash up to a value of $1,000 per day, at any retailer or service provider displaying EFTPOS facilities. Those EFTPOS outlets not providing cash usually display a notice to that effect. Your PIN (Personal Identification Number) must be input to purchase goods or services and to obtain cash.

Redicard cannot be used to purchase goods or services from merchant retailers or service providers other than those participating as an EFTPOS outlet and it cannot be used overseas.

Your Credit Union Redicard can be used to access your On Call Savings Account (S1) or Deeming Account (S3).

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The Credit Union VISA card is a Deposit Access (or Debit) card, not a credit card like Bankcard. That means you draw against the funds in your savings account. Supposing you buy something in Melbourne and pay for it using your Credit Union VISA card, the amount is automatically debited against your Savings account when the entry reaches the Credit Union. It saves you from having to carry large sums of cash.

Your Credit Union VISA card can be used to access your On Call Savings Account (S1) or Deeming Account (S3).

You can use your Credit Union VISA card as follows:

• at any merchant retailer or service provider displaying the VISA sign in Australia or overseas - shops, restaurants, airlines, hotels, service stations etc.
• to purchase goods or services and/or obtain cash up to a value of $1,000 per day, at any service provider displaying EFTPOS facilities. Those EFTPOS outlets not providing cash usually display a notice to that effect. Your PIN (Personal Identification Number) must be input to purchase goods or services or to obtain cash.
• to obtain cash up to $1,000 per day from a number of Automated Teller Machines (ATM's) - Your PIN (Personal Identification Number) must be input to obtain access.

GMCU Visa cardholders can register for Verified by Visa, a service providing extra protection and security when purchasing from participating online retailers.

For more information on this free service, click here.

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All cardholders are given a PIN (Personal Identification Number). This PIN should not be recorded on the card or where it can be found, otherwise the cardholder could be held responsible for amounts obtained by fraudulent use if the card is stolen.

A monthly fee is charged for each card used on an account. Please refer to the Fees and Charges schedule for more information.

Overdraft facilities are available to approved members. An application for an approved limit is necessary in all cases.

You should retain the sales dockets and check them against the relevant entries on your statement. A statement of your On Call Savings Account (S1) can be mailed out to you, and are also available on request. Fees may apply for the provision of additional statements.

If your card is lost or stolen it is necessary to contact the Credit Union immediately and report the loss. If the Credit Union is not open, then ring VISA Card and Redicard HOTLINE on 1800-224-004 (Toll Free Australia wide). It is manned 24 hours every day of the week. If you are overseas, report the loss immediately to the nearest VISA office (for VISAcards) as well as notifying the Credit Union. A replacement card will be issued as quickly as possible.

Your use of the card will be governed by the terms and conditions and you should read them carefully.

The provisions of the Credit Union Code of Practice apply to this facility.

Transactions initiated by your VISAcard or Redicard may be subject to fees - please refer to the Schedule of Fees and Charges.

Merchants and other institutions who accept payment by VISAcard or Redicard may impose additional restrictions on the use of the card.

The Goulburn Murray Credit Union reserves the right to cancel a VISAcard or Redicard, if its use is not conducted in accordance to the Conditions of Use of the card.

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The Credit Union offers MyCard MasterCard. This credit card has an interest free period of up to 55 days, 2 rewards schemes, (including Qantas Frequent Flyer program), special rate for large purchases and more.

An application for the MasterCard should be completed and forwarded to your nearest branch for checking. The application is then forwarded to the Credit Union Services Corporation (Australia) Ltd, for assessment.

Should you be successful with approval, a credit limit will be applied to your new credit card, which may be the same as the limit you requested, or one set by the application centre.

Your MyCard MasterCard will then be sent to your mailing address - a PIN (Personal Identification Number) will follow in approximately 3 working days. The PIN is necessary to access ATM's and transact at EFTPOS outlets. This PIN should not be recorded on the card or where it can be found, otherwise the cardholder could be responsible for amounts obtained by fraudulent use if the card is stolen.

Your MyCard MasterCard can be used at any merchant retailer or service provider displaying the MasterCard sign in Australia and overseas for purchases of goods and services - this also includes ATM access displaying MasterCard signage.

An annual fee applies for MyCard MasterCard and the level of fee is dependant upon which rewards scheme you choose - full details of these fees and any further details you may wish to obtain, can be done so by contacting your nearest branch.

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