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Visa Classic Credit Card

14.00% pa
Purchase Interest Rate

10.74% pa1
Home Loan Rewards Rate

Apply NowIncrease My LimitDecrease My Limit Or Cancel My Card

A simple everyday credit card with a low ongoing annual fee. Ease into your repayments with an introductory interest rate for the first 6 months and an ongoing interest rate discount for Members with an eligible Smart Home Loan.

  • Enjoy a Home Loan Rewards rate on your card when you have a home loan with us
  • Up to 55 interest-free days on purchases
  • Request to Increase or Decrease your current limit, or cancel your card via the website or within Online Banking
  • "Visa Secure and eftpos Secure are our 3D Secure fraud prevention measures designed to add an additional layer for security to your online shopping to protect against fraudulent card use. In certain instances, you may be requested to validate your identity by confirming your purchase with an OTP (One-time Password) sent to your registered mobile device. Entering this password will confirm your identity and you transaction will be approved".

  Visa Classic Credit Card Features:
Visa Classic Credit Card
Interest Rates
Home Loans Rewards Rate10.74% pa1
Purchase interest rate14.00% pa
Cash advance interest rate14.00% pa
Card Features
Honeymoon Interest RateIntroductory discounted interest rate on purchases for first 6 months2
Low Annual RateCompetitive standard variable interest rate.
Home Loan Rewards RateEligible NICU Members enjoy a discounted interest rate on their Visa Classic Credit Card for the life of their homeloan1
Interest free days55 3
Visa Entertainment RewardsYes4
Billing Date15th of each month
Monthly StatementReceived by post or accessed via Online Banking.
Minimum credit limit$1000 
Minimum Repayments Cash$20 
Minimum repayments %2%5
Payment OptionsSet up a monthly automatic transfer to pay a set amount or pay upon statement due date
Exceeds credit limit feeYes 
Late payment fee$15 
Annual fee$40 
ATM/EFTPOS accessYes 


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Important Information:

Credit criteria, eligibility and fees and charges apply. Terms and Conditions are available on application. The issuer of this product is Northern Inland Credit Union Limited. The target market determination for this product is available at

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

2 The Honeymoon Rate does not apply to cardholders eligible for the Home Loan Rewards Rate. After 6 months the Honeymoon Rate reverts to our standard classic credit card rate.

3 Interest accrues from the day a cash advance is made. The withdrawal limit is $2,000 AUD daily.

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

5 2% of outstanding balance or $20, whichever is the greater