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Rates & Fees


Special Offers



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Low Rate Visa Credit Card

Looking for our best ongoing rate?

  • Low interest rate on purchases and cash advances
  • No annual fee
  • No interest free days on purchases
Find out more

8.99% pa1
Interest Rate

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Increase My Limit
Decrease My Limit or Cancel My Card


Secure access to your money

  • Make purchases using EFTPOS terminals
  • Withdraw cash from thousands of ATM locations world-wide
Find out more
Apply Now

Visa Classic Credit Card

Classic value with interest free days

  • Introductory discounted interest rate on purchases for first 6 months
  • Up to 55 interest-free days on purchases
  • Competitive ongoing interest rate
Find out more

14.00% pa
Purchase Interest Rate

10.74% pa2
Home Loan Rewards Rate

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Increase My Limit
Decrease My Limit or Cancel My Card

Visa Debit

Use Visa to pay with your own money

  • Buy now and pay now
  • Free transactions with payWave
  • Shop online, overseas and over the phone
Find out more
  Apply Now


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Important Information:

Credit criteria and fees and charges apply. Terms and Conditions are available on application.

1 Low Rate Visa Credit Card interest rate of 8.99% calculated daily from date of transaction on all purchases and cash advances. The withdrawal limit is $2,000 AUD daily. Terms and conditions of card and interest rates available on request. Northern Inland reserves the right to withdraw, extend or vary this offer

2 Eligible Home Loans for the Home Loan Rewards rate include any home loan with Northern Inland Credit Union. When the Home Loan is paid out, the interest rate reverts to the standard credit card rate. Refer to our Interest Rates for details