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Northern Inland Credit Union Low Rate Visa

Last updated:  

No longer available for new applications.

The Northern Inland Credit Union Low Rate Visa is no longer available for new applications. We have kept the information on this page for the benefit of existing customers. You can compare current Low Rate Credit Card offers on Finder.

8.99% p.a.

Purchase rate

$0 p.a.

Annual fee


Product NameNorthern Inland Credit Union Low Rate Visa Credit Card - DISCONTINUED
Purchase rate (p.a.)8.99% p.a.
Annual fee$0 p.a.
Cash advance rate (p.a.)8.99% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)3%
Complimentary travel insuranceNo
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationNo


  • $0 annual fee
  • Low ongoing rate for purchases and cash advances


  • It doesn’t offer interest-free days on purchases
Annual fee$0 p.a.
Minimum monthly repayment2% of the closing balance or $20, whichever is greater
Late payment fee$15
Foreign currency conversion fee (Visa/Mastercard)3%
Cash Advance Fee$2.50
Overseas cash advance fee$175
Overseas ATM withdrawal fee$2

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Northern Inland Credit Union Low Rate credit card charges one of the lowest purchase interest rates when compared to other cards with no annual fee. Unlike most credit cards though, it doesn’t offer interest-free days on purchases. If you regularly pay your balance in full each month, you may want to consider a card that offers interest-free days on purchases.

How to apply

You can apply for this card online as long as you meet the eligibility criteria and have the necessary information to complete the application.

Eligibility criteria

  • Age. You must be at least 18 years old to apply.
  • Residency. You can apply for this card if you're an Australian citizen currently living in Australia.

Card benefits

  • $0 annual fee. While most credit cards charge an annual fee, the Northern Inland Credit Union Low Rate does not.
  • Competitive interest rate. This card offers the same ongoing rate for purchases and cash advances, currently 8.99% p.a.

Rates & fees

  • Cash advances. This card charges a cash advance fee of $2.50 and a daily withdrawal limit of $2,000.
  • Minimum monthly repayments. This card has a minimum repayment of 2%.

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