Northern Inland CU Visa Credit Card

Information verified correct on December 8th, 2016

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
Complimentary Travel Insurance Cover0 months
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.
Good
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.

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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.
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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

To successfully complete the application you will be asked to provide some personal information, including the following:

      • 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.

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Credit Cards Comparison

Rates last updated December 8th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au 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.

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