Northern Inland Credit Union Visa Classic Credit Card

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

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.

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8.99% p.a.

Purchase rate

for the first 6 months (reverts to 14% p.a.)

$40 p.a.

Annual fee

55 days

Interest free period

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Product NameNorthern Inland Credit Union Visa Classic Credit Card
Purchase rate8.99% p.a. for 6 months, reverts to 14% p.a.
Annual fee$40
Interest-free periodUp to 55 days on purchases
Cash advance rate14% p.a.
Min credit limit$1,000
Card typeVisa
Available to temporary residentsNo
Joint applicationNo


  • 8.99% 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


  • Not linked to any rewards program
Bonus pointsN/A
Annual fee$40
Minimum monthly repayment2% of the closing balance or $20, whichever is greater
Late payment fee$15
Cash advance fee2.5% or $2.50, whichever is greater
Overseas cash advance feeUS $175
Overseas ATM withdrawal fee$2

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

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.

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.

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