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.
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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.
Pros
-
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
Cons
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3% international transaction fee
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No perks like rewards or complimentary insurance
Details
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 |
Rewards
| Bonus points | N/A |
Fees
| 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 |
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Amy Finder
Editor
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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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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?