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Home / Banking / Cards / Visa Classic Credit Card

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Visa Classic Credit Card

14.00% pa
Purchase Interest Rate

10.74% pa1
Home Loan Rewards Rate

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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 discounts for Members with an eligible Smart Home Loan.

  • 0% Balance transfer for first 12 months
  • 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

  Visa Classic Credit Card Features:
Visa Classic Credit Card
Interest Rates
Balance transfer rate0.00% pa2
Purchase interest rate14.00% pa
Honeymoon Rate - 6 months8.99% pa3
Home Loans Rewards Rate10.74% pa1
Cash advance interest rate14.00% pa
Card Features
Honeymoon Interest RateIntroductory discounted interest rate on purchases for first 6 months3
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 4
Balance transfer rate period12 Months 
Visa Entertainment RewardsYes5
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%6
Payment OptionsSet up a monthly automatic transfer to pay the minimum amount or balance in full
Fees
Exceeds credit limit feeYes 
Late payment fee$15 
Annual fee$40 
ATM/EFTPOS accessYes 
BPAY®Yes 

 

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Important Information:

Eligibility and credit criteria apply. Terms and Conditions are available on application.

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 Balance transfer rate offer for first 12 months then reverts to standard rate; highest rate currently 14.00%, discounts may apply. Transfer rate offer available on non-Northern Inland CU cards only, and to the limit of $25,000. Northern Inland reserves the right to withdraw, extend or vary this offer.

3 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.

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

5 Free access to exclusive concert tickets pre-sales, member promotions and much more. Visit www.visaentertainment.com.au to register and for full benefits and terms.

6 2% of outstanding balance or $20, whichever is the greater