Northern Inland Credit Union Credit Cards

Compare Northern Inland Credit Cards

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Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Northern Inland Credit Union Visa Classic Credit Card	Purchase rate p.a. 14%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $40	Receive up to 55 days interest-free on purchases, Visa Offers + Perks and the ability to pay using Apple Pay or Google Pay.	ContinueMore info Compare product selection Compare	loading

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Benefits of an NICU credit card

Visa benefits

You can use an NICU credit card anywhere Visa is accepted, with Visa Secure protection against unauthorised transactions when you're shopping online. You'll also get access to exclusive offers on shopping, dining, entertainment and travel through Visa Offers + Perks.

Apple Pay and Google Pay

NICU Visa cards can be added to Apple Pay and Google Pay so you can make mobile payments at the checkout or online.

Account management

You can manage your account through the NICU mobile app or internet banking, including getting digital statements, making payments or putting a temporary lock on your account. You can also use the phone banking service by calling 1300 65 64 28.

How to apply for a Northern Inland Credit Union credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Credit card brands similar to Northern Inland Credit Union

If you want a credit card from a member-owned bank or credit union, here are 3 other credit card providers you could compare with NICU:

• Bank Australia credit cards
• Summerland Bank credit cards
• Heritage Bank credit cards

Frequently asked questions

• Can I find out the status of my application?

  Yes, you can check your application’s status by calling Northern Inland Credit Union on 02 6763 5111.

• How can I make repayments?

  Your Northern Inland Credit Union credit card statement will include details of your repayment requirements and ways to pay. This includes:

  • BPAY
  • Transfers from other NICU bank accounts
  • Automatic payments

  You should also check the due date listed on your statement so you can allow enough time for your payment to be processed.

• Do Northern Inland credit cards come linked to a rewards program?

  Northern Inland credit cards don’t offer any rewards points to cardholders.

• Can I get an additional card?

  There is no section on the application where you can request an additional card for someone. But there is the option of adding a second applicant. So, if you want to share your account with someone else, contact Northern Inland on 02 6763 5111 to discuss your options.

• How can I close my account?

  You can close your account through internet banking or by contacting NICU. Just keep in mind that you need to repay the total balance before the account can be fully closed.

• What is the history of Northern Inland Credit Union?

  Northern Inland Credit Union has a history dating back over 50 years. It has operated under its current name since 1988, following a merger between Oxley Mutual Credit Union, Tamworth Community Credit Union and Namoi Credit Union. As a credit union, NICU is owned and run by its members.

Written by

Amy Bradney-George

Journalist

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 bio

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