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14.00Heading Text.

% p.a

Purchase Interest Rate

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A simple everyday credit card with a low ongoing annual fee.

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10.74Heading Text.

% p.a

Home Loan Rewards Rate

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  • Up to 55 interest-free days on purchases
  • Enjoy a Home Loan Rewards rate on your card when you have a home loan with us
  • Pay in confidence with Visa Secure and eftpos Secure

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See the Key Facts Sheet for this credit card.

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Interest rates
Purchase Interest Rate 14.00% p.a.
Home Loan Rewards Rate 10.74% p.a.

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Card Features
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 homeloan1
Interest free days 552
Billing Date 15th of each month
Monthly Statement Received by post or accessed via Online Banking
Minimum credit limit $1000
Minimum Repayments Cash $20
Minimum repayments % 2%3
Payment Options Set up a monthly automatic transfer to pay your balance or a set amount or pay upon statement due date

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Fees
Exceeds credit limit fee Yes, ($15.00)
Late payment fee $15
Annual fee $40
ATM/EFTPOS access Yes
BPAY® No

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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 nicu.com.au/disclosures.
  • 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 Interest accrues from the day a cash advance is made. The withdrawal limit is $2,000 AUD daily.
  • 3 2% of outstanding balance or $20, whichever is the greater