NORTHERN INLAND CREDIT UNION LTD.
Classic Credit Card
Use your credit card for shopping, online purchasing, travelling overseas or even to consolidate other credit or store card debt.
Credit cardsBank updated 21 Jan 2026
At a glance
- Purchase rate
- 14.00%
- Cash advance
- 14.00%
- Annual fee
- $40
- Balance transfer
- 0.00%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferUp to 55 interest free days on all purchases made | — | — | — | 0.00% | — | — |
| Cash advanceUp to 55 interest free days on all purchases made | — | — | — | 14.00% | — | — |
| PurchaseUp to 55 interest free days on all purchases made | — | — | — | 14.00% | — | — |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| VISA_CONVERSION_FEE | Cash advance | Varies | — | — |
| ALERTS | Event | $0.25 | — | First 8 free |
| VISA_CLASSIC_ATM | Event | $1.50 | — | — |
| VISA_CLASSIC_ANNUAL_FEE | Periodic | $40 | Every 1 yr | — |
| BANK@POST_TRANS | Transaction | $4 | — | First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390. |
| VISA_ATM_WITHDRAWAL_OVERSEAS | Transaction | $2 | — | — |
| VISA_CLASSIC_COUNTER_WDL | Withdrawal | $2.50 | — | — |
§ 03 — Features
Instant paymentsPayIDDigital bankingApple PayGoogle Pay
§ 04 — Eligibility & limits
- · Residency: AU
- · Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 21 Jan 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.