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. for length of their home loan.

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.

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 2.5% 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.

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