Northern Inland Credit Union (NICU) Credit Cards

Compare Northern Inland Credit Cards

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Name	Product	Purchase rate (p.a.)	Interest Free Period	Annual fee	Balance transfer rate	Balance transfer rate
Northern Inland Credit Union Visa Classic Credit Card		8.99% for 6 months, reverts to 14% p.a.	Up to 55 days on purchases	$40 p.a.			Receive up to 55 days interest-free on purchases, Visa Entertainment rewards and the ability to pay use payWave.	More Info	Compare	loading Fetching your data...
Northern Inland Credit Union Low Rate Visa Credit Card		8.99% p.a.		$0 p.a.			Receive free access to exclusive concert tickets pre-sales, member promotions and more with Visa Entertainment with this no-frills card.	More Info	Compare	loading Fetching your data...

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Type of credit cards from Northern Inland

• Low rate credit cards

While both Northern Inland Credit Union credit cards are low rate options, they each have features that may suit different needs. The Northern Inland Visa Classic offers a purchase rate of 14% p.a., with a honeymoon rate available for new customers and a discounted rate available for eligible Northern Inland home loan customers. You could also be able to avoid interest charges on purchases by taking advantage of up to 55 days interest-free when you pay the full amount owed by the due date on each statement. However, the Visa Classic does come with an annual fee of $40.

In comparison, the Northern Inland Low Rate Visa charges no annual fee and offers an ongoing purchase rate of 8.99% p.a. While there are no interest-free days available on this card, the low rate could help keep interest costs down if you carry a balance from month-to-month.
Learn more about low rate credit cards

Benefits of Northern Inland credit cards

Some of the benefits you could get with a Northern Inland credit card include:

• Visa Classic discounted interest rate offer

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.

• Visa benefits

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, plus access to exclusive entertainment competitions and ticket offers through Visa Entertainment.

• Apple Pay and Google Pay

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.

• Internet banking

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, or use the phone banking service by calling 1300 65 64 28.

How to apply for a Northern Inland Credit Union credit card

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 take it to a 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.

Eligibility Criteria

• Are you over 18 years old? You must be at least 18 years of age.
• What's your residency status? You must be an Australian citizen living in Australia at the time of your application.
• Do you have good credit history? You may not be eligible to apply if you have ever been declared bankrupt or had legal action taken against you for the recovery of debt.

Details and documents

• Personal details. You'll need to provide your full name name, home address, phone number, date of birth, marital status, number of dependants and the name and contact number of a relative. You may also be asked for a valid form of ID, such as your driver's licence or Australian passport.
• Employment details. This section requires you to enter your occupation, employment status, salary, employer’s name, employer’s address, employer’s phone number and how long you've been employed.
• Assets and liabilities. Assets include residential property, investment property, home contents, motor vehicles, superannuation, savings and investments. Liabilities comprise of mortgages on your home or investment properties, personal loans, car loans, credit cards, store cards, and leases.

What happens after submitting 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.

Frequently asked questions

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.

• Can I submit an online application?

  While you can submit an application request or download a credit card application from the Northern Inland website, there is no option to complete the full application online.

• Can I find out the status of my application?

  Yes, you can check your application’s status by calling Northern Inland on 02 6763 5111 between 9am and 5pm on Monday, Wednesday, Thursday or Friday. If you're calling on a Tuesday, the hours are 9:30am to 5pm.

• How can I make repayments?

  You can make payments via BPAY or an electronic funds transfer from most Australian bank accounts. You can also transfer funds from an existing Northern Inland account using the online or phone banking service. You have the option to set up automatic repayments to pay just the minimum monthly balance or to pay the balance off in full. To pay by cheque, you can mail it in or drop it off at your closest branch.

• 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?

  No, Northern Inland does not issue additional cards. However, these is a section on the application form for 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 by submitting a written request. After the account’s closure you remain liable to repay any outstanding amount that the account had prior to closure.

• What is the history of Northern Inland Credit Union?

  The history of Northern Inland dates back four decades, and it has operated under its current name since 1988 when the merger of Oxley Mutual Credit Union, Tamworth Community Credit Union, and Namoi Credit Union took place. Northern Inland has branches in West Tamworth, Gunnedah, and Narrabri, with its head office in Tamworth. This credit union offers its members financial services and products you might typically associate with a bank, which include everyday and savings accounts, different types of loans, business accounts, and insurance solutions. You can also apply for a Visa credit card through this credit union, which you can find out more about below.