In this guide

  • Our verdict
  • Details
    • Product details
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates and fees
  • Your reviews
  • Ask a question
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National Seniors Credit Card
Terms and conditions apply
Balance transfer rate for 6 months with no balance transfer fee
4.99% p.a.
Purchase rate
8.99% p.a.
Annual fee
$40 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

A no-frills Visa credit card with a low 8.99% p.a. variable interest rate for purchases and a $40 annual fee that also supports National Seniors Australia.

The National Seniors Credit Card is suited to people who want simple, low-cost features. Its 8.99% p.a. variable interest rate is one of the lowest ongoing rates on the market. The $40 annual fee is also competitive among low rate cards, and half of it goes to National Seniors to support the work it does.


  • Very low 8.99% p.a. variable interest rate on purchases
  • 4.99% interest on balance transfers for 6 months
  • Up to 55 days interest-free on purchases


  • 3% international transaction fee
  • No perks like rewards or complimentary insurance

In this guide

  • Our verdict
  • Details
    • Product details
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates and fees
  • Your reviews
  • Ask a question

The National Seniors Credit Card can be used anywhere Visa cards are accepted and offers Visa’s Zero Liability Policy to help protect you against fraudulent charges. It also offers up to 55 days interest-free on purchases if you pay your total account balance by the due date on each monthly statement.


Product details

Product Name National Seniors Credit Card
Balance transfer rate p.a. 4.99% for 6 months, then 8.99%
Purchase rate p.a. 8.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 8.99%
Min credit limit $500
Max credit limit $15,000
Card type Visa


Bonus points N/A


Annual fee $40
Minimum monthly repayment 3% of the closing balance or $20, whichever is greater
Late payment fee $25
Foreign currency conversion fee 3%
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

You can apply for the National Seniors Credit Card online by filling in a secure application form through the website. You can also enquire about the card by calling 1300 153 320.

Keep in mind that some documents relating to this card may refer to Community First Credit Union, as it issues the credit card on behalf of National Seniors Australia.

Eligibility criteria

  • Income. You must have a regular income.
  • Australian residency status. You can apply for this card if you're an Australian permanent resident or citizen.

Card benefits

  • Balance transfer offer. The National Seniors Credit Card offers an introductory 4.99% p.a. interest rate on balance transfers for the first 6 months. After that, the card's 8.99% p.a. standard variable interest rate applies to any remaining balance transfer amount. While there is no offer end date listed, it may be withdrawn at any time.
  • Low rate. The 8.99% p.a. variable interest rate on this card is very competitive among low rate credit cards in Australia, which typically range from around 8% to 15%. This rate also applies to cash advances and balance transfers, outside of any promotions.

Rates and fees

  • Annual fee. The $40 annual fee is similar to other low rate credit cards. Half of the annual fee ($20) also goes towards supporting National Seniors.
  • Interest-free days. This credit card offers up to 55 days interest-free on purchases when you pay off the total balance listed on your statement by the due date.

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Valerie Musgrove

January 17, 2024

Will I be eligible if I am a National Seniors member, am age 68, have not worked fulltime for 14 years until started again on 18 December 2023 although worked for previous year casually parlly as self-contractor as well as an employee?


Sarah Megginson Finder

February 15, 2024

Hi Valerie,

We’re a review and comparison site and we’re not directly affiliated with the lender, so we can’t provide personal advice. However generally, lenders take into consideration things like your income, your expenses and any other debts or cards you hold when assessing your credit card application.

You’re best bet is to reach out to them directly by calling 1300 153 320.

Hope this helps!

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