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Home / Banking / Cards / Low Rate Visa

Low Rate Visa Credit Card

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8.99% pa1
Low Rate Visa Card

Apply NowIncrease My LimitDecrease My Limit or Cancel My Card

Our lowest ongoing interest rate credit card offers great savings with no annual fee.

  • Same low interest rate on purchases and cash advances, from date of transaction
  • No annual fee
  • Paywave and chip protected
  • Increase or Decrease your current limt, or cancel your card easily via the website or within Online Banking

  Low Rate Visa Card Features:
Low Rate Visa Credit Card
Interest Rates
Purchase interest rate8.99% pa1
Cash advance interest rate8.99% pa
Card Features
Low Annual RateCompetitive discounted interest rate1
Interest free daysNil 
Visa Entertainment RewardsYes2
Billing Date15th of each month
Monthly StatementElectronically via Online Banking or option for paper statements.
Minimum credit limit$1000 
Minimum Repayments Cash$20 3
Minimum repayments %2%3
Payment OptionsSet up a monthly automatic transfer to pay the minimum amount or balance in full
Exceeds credit limit feeYes 
Late payment fee$15 
Annual fee$0.00 
ATM/EFTPOS accessYes 


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Important Information:

Eligibility and credit criteria 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 Free access to exclusive concert tickets pre-sales, member promotions and much more. Visit to register and for full benefits and terms.

3 2% of outstanding balance or $20, whichever is the greater