Our verdict

No longer available

The Illawarra Credit Union n0w Credit Card is no longer available for new applications. However, we’ve kept the information online for the benefit of existing customers and for those who are interested. Check out the current low rate credit cards here.

Pros

No interest charges or late payment fees
No monthly fee when you have a $0 balance and don’t make purchases for a calendar month
Compatibility with Apple Pay, Google Pay and Samsung Pay

Cons

Maximum available credit limit of $3,000 is low compared to standard credit cards
3% international transaction fee
Doesn't provide rewards, interest-free credit cards such as the Westpac Flex Card

Details

Product details

Product Name	Illawarra Credit Union n0w Credit Card - DISCONTINUED
Purchase rate p.a.	Purchase rate p.a.0%
Interest-free days	-
Min credit limit	$1,000
Max credit limit	$3,000
Card type	Visa

Eligibility

Available to temporary residents

Rewards

Bonus points	N/A
Rewards points cap	N/A

Fees

Annual fee	$0
Minimum monthly repayment	2.5% of the closing balance or $20, whichever is greater
Foreign currency conversion fee	3%
Cash advance fee	$3
Overseas cash advance fee	$5

How to apply

You can apply for the Illawarra Credit Union n0w Credit Card online by filling in a secure application form on the Illawarra Credit Union website. To get started, check that you meet the eligibility criteria and have all the details and documents needed for the application.

Eligibility criteria

Australian residency status. You can apply for this card if you're an Australian citizen or permanent resident.
Income requirement. You must earn a regular income and have been in your current job for over 6 months.

Credit history. You can apply for this card as long as you're not an undischarged bankrupt and you don't have outstanding credit defaults.
Age. You must be over 18 years old.
Illawarra Credit Union membership. Illawarra Credit Union is member-owned, so you'll need to pay a $2 member share to join and open an account. This share is fully refundable if you close your account in the future.

Required documents

Personal details. Includes your full name, date of birth, residential address, email address and contact phone number. You also need to provide one of the following forms of ID: your driver's licence, passport or Medicare card details.
Employment details. Covers your occupation, length of employment and your employer's contact details. Supporting documentation could include recent payslips, account statements or your most recent Tax Assessment Notice.
Financial details. Apart from your salary, you need to include details of any income from other sources (such as government benefits or investments), as well as assets and savings. You also need to share details of existing loans, debts and credit card accounts, along with your share of household expenses.

Card benefits

No interest charges. The Illawarra Credit Union n0w Credit Card doesn't charge interest on your purchases or cash advances, but you do still have to meet minimum monthly repayments.
No monthly fee if you don't use the card. The monthly fee on this card won't be charged if you have a $0 balance for an entire calendar month and don't use the card for that calendar month.

Mobile payments. You can use this card to make payments from your mobile device by adding it to your Apple Pay, Samsung Pay or Google Pay account.
Visa benefits. You can use this card anywhere Visa is accepted, including in stores, online or over the phone from all over the world. You'll also get access to exclusive deals on shopping, dining, entertainment and travel through Visa Offers and Perks, with current deals listed on the Visa Australia website.

Rates & fees

Monthly fee. The Illawarra Credit Union n0w charges the following monthly fees based on the card's credit limit:
- $9 monthly fee for a $1,000 limit
- $14 monthly fee for a $2,000 limit
- $19 monthly fee for a $3,000 limit
Cash advance fee. If you use this card to withdraw cash or make any other cash advance transactions, a fee of $3 will apply in Australia. Overseas, there is a $5 cash advance fee.

International transaction fee. Any overseas or foreign currency spending is charged a fee worth 3% of the transaction value in Australian dollars (AUD).
Minimum monthly repayments. You'll need to pay the greater of 2.5% or $20 off your account balance by the due date on each statement. The exact minimum amount will be shown on your statements.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Illawarra Credit Union n0w Credit Card information PDF
2. Illawarra Credit Union n0w Credit Card TMD

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

Illawarra Credit Union n0w Credit Card

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

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