Northern Inland CU Visa Credit Card

Information verified correct on May 1st, 2017

Pay 0% p.a. on balance transfers for 12 months, and pay a honeymoon interest rate on purchases for 6 months.

The Northern Inland CU Visa Credit Card charges a low honeymoon rate on purchases for the first six months, and if you use this card for balance transfers you can receive a special 0% p.a. balance transfer rate for 12 months. If you have an existing Northern Inland CU home loan, you can qualify for a considerably lower ongoing rate.

Product NameNorthern Inland Credit Union Visa Credit Card
Balance transfer rate (p.a.)0% p.a. for 12 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (14% p.a.)
Purchase rate (p.a.)8.99% p.a. for 6 months (reverts to 14.00% p.a.)
Annual fee$40 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)14.00% p.a.
Minimum Monthly Repayment2% or $20, whichever is the greater
Card TypeVisa
Available To Temporary ResidentsNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Annual Fee$40 p.a.
Minimum Repayment2% or $20, whichever is the greater
Cash Advance Fee$2.50
Overseas Cash Advance Fee$175
Overseas Emergency Replacement$175
Overseas ATM Withdrawal Fee$2
Phone BankingYes
Internet Banking TransfersNo

Northern Inland CU Visa Credit Card review

Cardholders can save considerably in the form of interest through this card’s 0% p.a. interest balance transfer offer, as well as through a standard variable rate that is the same for purchases and cash advances. Existing Northern Inland CU home loan holders can get an even lower ongoing rate, leading to further savings. The ongoing annual fee you have to pay is a nominal $40.

Benefits of the Northern Inland CU Visa Credit Card

  • Balance transfer offer. If you use this card to transfer balances from existing cards, you don’t have to pay any interest on transferred balances for the first 12 months, and this can lead to significant savings. At the end of the 12-month period, any outstanding balance starts attracting the card’s standard rate.
  • Competitive standard rate. Unlike most other credit cards, this card charges the same standard variable interest rate on purchases as well as balance transfers, and this currently stands at 14% p.a. If you have an existing Northern Inland CU home loan, you can enjoy a special home loan rewards interest of 10.74% p.a.Use anytime, anywhere. Visa is accepted in most countries around the world, so you can use this card while travelling internationally, at ATMs and at EFTPOS terminals. If you make online and over the phone purchases and bill payments, this card could suit you just fine.

Northern Inland CU Visa Credit Card features

  • Annual fee. The Northern Inland CU Visa Credit Card attracts a nominal annual fee of $40.
  • Balance transfer offer. This credit card charges 0% p.a. interest on transferred balances for the first 12 months, after which any outstanding balance starts attracting the card’s standard variable rate.
  • Interest-free days. By paying your account’s closing balance in full every billing cycle you can get as many as 55 interest-free days on purchases.
  • Account information. You receive your credit card statement by post each month, and you can also view all transaction details at any time via online banking.
  • Visa Entertainment. As a Northern Inland CU Visa cardholder you can visit the Visa Entertainment website and register for free. This online platform gives you access to a range of entertainment offers which include film premieres and pre-sale tickets.
  • Visa Preferred Services. This service provides access to benefits like priority ticketing and seating as well as accommodation discounts.
  • Verified by Visa. This online service provides enhanced security when you or anyone else uses your credit card details over the internet.

How to apply for the Northern Inland CU Visa Credit Card

You can apply for the Northern Inland CU Visa Credit Card by visiting any Northern Inland CU branch, you can initiate the process over the phone, and you can apply online. To submit your application online, simply click on the ‘Go to Site’ button, but before beginning make sure you meet the following eligibility criteria:

Application criteria

    • You are over 18 years of age
    • You are a permanent Australian resident
    • You have a good credit history

Required documents

      • Personal details like your complete name, date of birth, home address, phone number, name and address of closest relative not living with you, and number of dependent children
      • Work-related information including your occupation, employer’s name and contact details
      • Income and expenditure details
      • Details about your assets and liabilities

This can be a good no-frills credit card to use, especially if you make use of its balance transfer offer. Take into account that there are other cards that offer similar features, so you should compare it with a few before deciding.

Back to top
Was this content helpful to you? No  Yes

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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

Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

Credit Cards Comparison

Rates last updated May 1st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question