100% Recylcable

Use a card that’s fully recyclable and helps you make greener everyday impact.

100% Recylcable

Wallet Freedom Everywhere

Forgot your wallet? Tap into digital convenience via Apple Pay or Google Wallet on your smart device.

Wallet Freedom Everywhere

More Control

Activate a new card, change your PIN, or temporarily lock your card if it’s misplaced, with NetBanking or your Mobile App

More Control

Secure By Design

Your transactions are protected with built-in Visa security and robust digital safeguards.

Secure By Design
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Everyday spending, made simple

Our 100% recyclable Visa Debit Card gives you easy access to your money – wherever Visa is accepted. Tap, shop, and withdraw cash securely in Australia or overseas, plus enjoy the convenience of adding your card to your digital wallet for fast, contactless payments. Manage everything in one place through NetBanking or the SCCU Mobile App, with smart security features like card lock, and Verified by Visa protection.

 
fraud monitoring

More than just a card

A snapshot of the extra features our Visa Debit Card packs:

  • Free ATM Access. Use your card fee-free at and Big 4 bank (Commbank, ANZ, Westpac and Suncorp) ATMs across Australia
  • 100% Recyclable helping to mitigate 633.20kgs of CO2 emissions reduction
  • Activate, lock, or change the PIN on your cards instantly
  • When you add your card to Apple Pay or Google Pay your real card number is replaced by a secure token for safer checkout experiences.
  • No Fee Digital Wallet Usage – no extra charge for adding or using your Visa card in a digital wallet (your usual terms apply).
  • Visa Checkout for secure online purchases when you see the ‘Click to Pay’ icon New online checkout logo.
  • Accepted Globally wherever Visa is accepted

Need to activate your card?

Getting started is simple, follow these steps, you can even do it while you’re on the go:

NetBanking – once you’re logged in:
  1. Go to Services > Cards
  2. Request and enter your secure SMS code
  3. Click Validate
  4. Follow the prompts to activate your card
Mobile App – once you’re logged in:
  1. Tap the menu icon and select Cards
  2. Choose the card you want to activate
  3. Follow the on-screen prompts to activate your card
NetBanking Mobile App

The accounts that pair with your Visa Debit Card

Easy Access

Easy-to-use everyday transaction banking account with offset feature linked to your home loan.

Discover the Details
Reverse Mortgage

Easy Access 50+

A transaction account that earns interest for customers aged 50 years and over, even for joint accounts.

Discover the Details

Business Plus

Designed for business owners and entrepreneurs, a transaction account with multiple integrations.

Discover the Details

Join our SCCU community along with thousands of customers who love our easy to understand banking services and caring customer approach.

Visa Debit Card FAQs

  • How do I change my PIN?

    You can easily change your Visa Debit Card PIN through NetBanking or the SCCU Mobile App. Simply log in, select your card, and follow the prompts to update your PIN instantly.

  • Can I use my Visa Debit Card overseas?

    Yes! Your card works anywhere Visa is accepted. Just remember to check your card is enabled for international use, and understand extra fees that may apply, including being aware of any foreign transaction fees.

    For International Payments, check out our Cash Passport and Convera payment options, for travelling, sending and receiving money.

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From your first transaction to lifelong investments, with you across all financial life stages.

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Download the SCCU mobile banking app to start managing your banking on the go.

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Blogs and Resources
Shane provided amazing customer service from start to finish. He was extremely knowledgeable, respectful, and attended to every detail of the process with thoroughness and professionalism. This kind of customer service is almost unheard of these days, so it was an absolute delight to work with Shane. The interest rate on my company car was fantastic and the terms of the loan were both fair and reasonable. I 100% recommend Shane and Southern Cross Credit Union for obtaining financing for a vehicle and wouldn't use anyone else for my business going forward. Thanks to Shane and his team!
Joanna Tedeschi
Previously we were not advocates of the banking industry, we were strong non-believers after some disappointing & negative experiences. Many locals referred us to Southern Cross Credit Union (SCCU) and after much encouragement we moved our banking business to the SCCU Tweed City Branch. We are now strong believers as we have been in the extremely efficient, effective and supportive hands of SCCU loans manager Stephen Distant. What an asset! Stephen has totally reframed our banking experience, we are genuinely impressed with his ability to do this by managing our loans. Even after many years as a SCCU client, Stephen's dedication with helping us has not died down, his loyalty remains nothing short of inspiring and his willingness to provide outstanding customer service is something we are in awe of. Moving our accounts to SCCU was a great decision, thanks to Stephen Distant.
Rod and Suzy Cornelius
As COVID hit some 3 years ago, I approached SCCU to re-align our financial position at both a personal and professional level with our business. Not only were your team receptive but with the assistance of SCCU not only did we make our way through COVID closures, but due to the support of SCCU we have evolved into an extremely sound business, and I would suggest a success story of the community banking that SCCU continues to deliver. Thank you for the support you offer to us as a local business and us as a local family of the area. Thank you, the entire team, at SCCU for being such an awesome part of the community whilst also being a great business to align with.
Jason