Card features

Visa Classic Credit 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. Ongoing interest rate discounts for Members with an eligible Smart Home Loan.

Interest rate on purchases 14.00% p.a.
Interest rate on cash advances 14.00% p.a.
Annual fee $40.00
Interest free days Up to 55 days on purchases only

Interest Rates

Home Loans Rewards Rate 10.74% pa

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Honeymoon Rate - 6 months 8.99% pa

Card Features

Honeymoon Interest Rate Introductory discounted interest rate on purchases for first 6 months
Low Annual Rate Competitive standard variable interest rate.
Home Loan Rewards Rate Eligible NICU Members enjoy a discounted interest rate on their Visa Classic Credit Card for the life of their homeloan
Visa Entertainment Rewards Yes
Billing Date 15th of each month
Monthly Statement Received by post or accessed via Online Banking.
Payment Options Set up a monthly automatic transfer to pay a set amount or pay upon statement due date