New customers can save on regular card costs with a low purchase interest rate of 14% p.a. If you're already a Northern Inland customer with a home loan, you could take advantage of a lower purchase rate of 10.74% p.a. while you pay off your home loan.
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Northern Inland Credit Union Visa Classic Credit Card
Terms and conditions apply
- Purchase rate
- 14% p.a.
- Annual fee
- $40 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Offers a low ongoing 14% p.a. interest rate on purchases and cash advances, with a low annual fee.
The Northern Inland Credit Union Visa Classic credit card combines two ways to save with a low annual fee and an ongoing purchase rate of 14% p.a. But if your primary need is to cut interest costs, you could also consider a card that offers 0% interest on purchases for an introductory period.
Pros
-
$40 annual fee
-
Low interest rate of 14% p.a. on purchases and cash advances
-
Home Loan Rewards rate of 10.74% p.a.
-
Up to 55 days interest-free on purchases
Cons
-
Not linked to any rewards program
Details
Product details
| Product Name | Northern Inland Credit Union Visa Classic Credit Card |
| Purchase rate p.a. | 14% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 14% |
| Min credit limit | $1,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
| Joint application | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | $40 |
| Minimum monthly repayment | 2% of the closing balance or $20, whichever is greater |
| Late payment fee | $15 |
| Foreign currency conversion fee | 3% |
| Cash advance fee | 2.5% or $2.50, whichever is greater |
| Overseas cash advance fee | US $175 |
| Overseas ATM withdrawal fee | $2 |
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