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Our verdict

Offers a low ongoing 14% p.a. interest rate on purchases and cash advances, with a low annual fee.

The Northern Inland Credit Union Visa Classic credit card combines two ways to save with a low annual fee and an ongoing purchase rate of 14% p.a. 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.

Pros

$40 annual fee
Low interest rate of 14% p.a. on purchases and cash advances
Up to 55 days interest-free on purchases

Cons

Not linked to any rewards program

New customers can save on regular card costs with a low purchase interest rate of 14% p.a.

Details

Product details

Product Name	Northern Inland Credit Union Visa Classic Credit Card
Purchase rate p.a.	Purchase rate p.a. 14%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	14%
Min credit limit	$1,000
Card type	Visa

Eligibility

Available to temporary residents	No
Joint application	No

Rewards

Bonus points

N/A

Fees

Annual fee	Annual fee $40
Minimum monthly repayment	2% of the closing balance or $20, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	Foreign currency conversion fee 3%
Cash advance fee	2.5% or $2.50, whichever is greater
Overseas cash advance fee	US $175
Overseas ATM withdrawal fee	$2

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.

Credit history. You won't be eligible to apply for this card if you've been declared bankrupt or had any legal action taken against you for the recovery of debt.

Required documents

Personal details. You'll need to provide your name, date of birth, home address, phone number, name and address of closest relative not living with you and number of dependent children. You may also need to provide a valid form of ID, such as your driver's licence or Australian passport.
Employment. As well as your annual salary, you will be asked for details of your profession, employer's name, contact details and the length of time you've been with your employer.
Income and expenditure. You’ll need to provide details of other forms of income, such as a pension, Centrelink payments or income from a rental property. You'll also be asked to provide details of your expenses, including regular loan repayments, household bills and grocery costs.
Assets and liabilities. This includes any investments, such as house property and savings accounts, as well as liabilities including mortgages, existing cards and any childcare payments.

Card benefits

Low purchase rate. You can save with a low ongoing purchase rate of 14% p.a.
Mobile wallets. You can link your card to Google Pay or Apple Pay to use your eligible smartphone or device to tap and pay at the checkout.

Visa benefits. Your online purchases will be protected by an extra layer of security thanks to Visa Secure. You’ll also get access to exclusive discounts, dining deals and more through Visa Offers and Perks.

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.

Cash advances. If you use this card to make a cash advance (such as withdrawing cash from an ATM), you'll be charged a cash advance fee of $2.50. A 14% p.a. interest rate will also apply to your cash advance from the date of the transaction.
Account information. You can get your monthly statement through online banking or by post. You can also use this service to manage your account at any time or call the 24/7 phone banking service on 1300 65 64 28.

Sources

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Northern Inland Credit Union Visa Classic Credit Card

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

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