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Also known as NICU, Northern Inland Credit Union offers a low-cost Visa credit card option with simple account features, as well as contactless and mobile payment options. If you're a member of NICU or are interested in becoming one, you can use this guide to learn more about the Northern Inland Visa credit card and the benefits of banking with this member-owned institution.
The Northern Inland Visa Classic has an interest rate of 14% p.a. for purchases and cash advances. It also offers a honeymoon rate for new customers and an ongoing discounted rate for eligible Northern Inland home loan customers. It has an annual fee of $40.
Learn more about low rate credit cards
Some of the benefits you could get with a Northern Inland Credit Union Visa include:
If you have a home loan with Northern Inland you can look forward to paying a discounted interest rate until your home loan is paid out. For other cardholders, an introductory discounted rate for purchases stays in place for the first 6 months. At the end of the introductory period, any outstanding balance attracts the card’s standard variable rate.
Pay with your NICU credit card anywhere Visa is accepted, including in-store, online or over-the-phone. You can also enjoy tap-and-go payments for purchases under $100, Visa Secure protection when you shop online and access to exclusive offers for shopping, dining, entertainment and travel through Visa Offers + Perks.
NICU Visa cards are compatible with Apple Pay or Google Pay. So, if you have a compatible device, you'll just need to add your card to one of these apps. Then you'll be able to make mobile payments at the checkout or online.
Check your balance, receive statements, make payments and manage other details of your account at any time through NICU's online banking platform. You can also access your account 24/7 through your mobile device with the NICA mobile app or use the phone banking service by calling 1300 65 64 28.
If you want to apply for a Northern Inland Credit Union credit card, you can fill out a request on the website by answering a few simple eligibility questions, then providing your name, contact number and the time of day that's best to contact you. A representative from NICU will then be in touch. Alternatively, you can call NICU on 02 6763 5111 or download an application form and visit the Tamworth, Gunnedah or Narrabri branch.
Before you get started, make sure you meet the following eligibility requirements and have organised all the details and documents you'll need for the application.
If additional information is required, a representative from NICU will be in touch before your application is assessed. In some cases, the credit union may also contact your employer to verify the details you've provided.
If you’re not an existing Northern Inland member, you’ll also have to become one in order to receive your card. New members have to go through an identity verification process, which could mean you need to take supporting documents to a Northern Inland branch. If this is required, NICU will be in touch to advise you of the documents you'll need to bring and can help you find your nearest branch.
Below are answers to commonly asked questions about Northern Inland credit cards. If you wish to ask another question that isn't listed below, you can use the form at the end of this page.
The Northern Inland Credit Union Low Rate Visa card couples a competitive interest rate with $0 annual fee.
Save with a low purchase interest rate and a competitive annual fee when you use the Northern Inland Credit Union Visa Classic card.