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Rates & Fees


Special Offers

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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% pa1
Home Loan Rewards Rate

Apply Now
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 when inserting card at EFTPOS
  • 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.
You could be charged fees for making contactless transactions with some merchants. When using your Visa Debit card, insert your card and select 'Credit' or 'Visa Debit' to ensure that it is a fee-free transaction.

1 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