In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.

Northern Inland Credit Union Visa Classic Credit Card

  • Avatar
Northern Inland Credit Union Visa Classic Credit Card
Terms and conditions apply
Purchase rate for the first 6 months (reverts to 14%)
8.99% p.a.
Annual fee
$40 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Take advantage of 8.99% p.a. on purchases for the first 6 months and save with a low annual fee.

The Northern Inland Credit Union Visa Classic credit card combines two ways to save with a low introductory purchase rate and annual fee. Plus, the standard interest rate that applies after the first 6 months is competitive compared to many other cards on the market. 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

  • 8.99% p.a. introductory interest rate on purchases for 6 months (reverts to 14%) p.a.
  • 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 introductory interest rate of 8.99% p.a. on purchases for the first 6 months with the Northern Inland Credit Union Visa Classic Credit Card. After that, the interest rate reverts to 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. 8.99% for 6 months, then 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

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 introductory purchase rate. If you're a new customer, you can save with a reduced purchase interest rate of 8.99% p.a. for the first 6 months. After that, a standard purchase interest rate of 14% p.a. applies.
  • 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.

Your reviews

No reviews yet. Write a review

Ask a question

Ask a question
Avatar

Sally Finder

Producer

Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Go to site