Northern Inland Credit Union Visa Classic Credit Card

On website

Northern Inland Credit Union Visa Classic Credit Card

Balance transfer

N/A

Purchase rate

14% p.a. ongoing

Annual fee

$40.00 p.a. ongoing

Highlights

  • $40 p.a. annual fee.
  • Enjoy up to 55 interest-free days on purchases.
  • A discounted Home Loan Reward Rate of 10.74% p.a. if you have one of their home loans.

Pros and cons

Pros

  • Low ongoing annual fee.
  • Discounted 10.74% p.a. Home Loan Rewards Rate for length of home loan.
  • Up to 55 interest-free days on purchases.

Cons

  • There is no rewards program.
  • No balance transfer offer at the moment.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
Yes
Samsung Pay Enabled
No

Eligibility

Joint Application Accepted
Yes
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
4
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$2,000.00
Maximum Credit Limit
$10,000.00

Repayments

Interest Charged From
Purchase Date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
14% p.a.
Cash Advance Fee
$2.00
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
14% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$40.00
Dishonour Fee
$17.50
Duplicate Statement Fee
$2.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$20.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

The basics

  • Additional cardholders. Information on additional cardholders is not available.
  • Digital wallets. This card supports Apple Pay and Google Pay.
  • Gambling transactions. The Northern Inland Credit Union Visa Classic Credit Card can make gambling-related purchases, with the cash advance rate and fee applied.

Rewards and benefits

  • Complimentary travel insurance. This card does not include complimentary international travel insurance cover.
  • Concierge services. The Northern Inland Credit Union Visa Classic Credit Card does not offer a concierge service.
  • Insurances. This card comes with fraud protection.
  • Rewards points. This credit card comes with Visa Entertainment Rewards. Home Loan Rewards Rate of 10.74% p.a. is given to Northern Inland Credit Union members for the life of their home loan.
  • Sign up bonus. Northern Inland Credit Union do not offer any sign up bonus for this card.

Rates and fees

  • Annual fee. The ongoing annual fee for this card is $40.
  • Balance transfers. There is no balance transfer offer right now with this credit card.
  • Cash advances. Cash advances made with the Northern Inland Credit Union Visa Classic Credit Card will be charged an interest rate of 14% p.a., which will accrue immediately from the date the cash advance was made. Northern Inland Credit Union will charge a one-off fee to process any cash advances with this card.
  • Foreign exchange fee. Overseas purchases or online purchases in a foreign currency will incur an additional 3% foreign transaction fee.
  • Interest-free period. Northern Inland Credit Union's Visa Classic card offers up to 55 days interest-free on purchases (except cash advances) if you have paid off your previous balance or made minimum required payments.
  • Purchases. Interest will be applied at an annual rate of 14% on purchases made using the Northern Inland Credit Union Visa Classic Credit Card.

History

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