In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Northern Inland Credit Union Visa Classic Credit Card

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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

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

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.

Details

Product details

Product Name Northern Inland Credit Union Visa Classic Credit Card
Purchase rate p.a.
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
Annual fee
$40
Minimum monthly repayment 2% of the closing balance or $20, whichever is greater
Late payment fee $15
Foreign currency conversion fee
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

How to apply

You can apply for the Northern Inland Credit Union Visa Classic credit card online. Just make sure that you meet the eligibility criteria and have the necessary information to complete the application.

Eligibility criteria

  • Age. You must be at least 18 years of age to apply.
  • Residency. You're eligible to apply for this card if you're an Australian citizen or a permanent Australian resident.

Card benefits

  • Low purchase rate. You can save with a low ongoing purchase rate of 14% p.a.
  • Reduced interest rate for home loan customers. If you have an existing Northern Inland Credit Union home loan, this card offers a reduced Home Loan Rewards rate of 10.74% p.a. This rate reverts to the standard purchase rate once you have paid off your home loan.

Rates & fees

  • Annual fee. The Northern Inland Credit Union Visa Classic Credit Card charges an annual fee of $40.
  • Interest-free days. If you pay your balance in full by the statement due date, you can save with up to 55 interest-free days on purchases.

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Sally Finder

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