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.
At a glance
- Purchase rate
- 14.00%
- Cash advance
- 14.00%
- Annual fee
- $40
- Balance transfer
- 0.00%
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 14.00% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 41st lowest of 51 |
Rates
Every rate Northern Inland Credit Union Ltd. publishes for this credit card, 3 in all.
| 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% | - | - |
Fees
7 fees published, grouped by when they're charged.
While you hold it1
- VISA_CLASSIC_ANNUAL_FEE$40 a year
When you make a transaction4
- VISA_CONVERSION_FEEVaries
- BANK@POST_TRANS
First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390.
$4 - VISA_ATM_WITHDRAWAL_OVERSEAS$2
- VISA_CLASSIC_COUNTER_WDL$2.50
When particular things happen2
- ALERTS
First 8 free
$0.25 - VISA_CLASSIC_ATM$1.50
Features
Eligibility and limits
- Residency: AU
- Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.
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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.