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Visa Classic Credit Card



Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending




The Northern Inland Credit Union Visa Classic Credit Card offers a moderate interest rate on purchases and a moderate number of interest-free days for a moderately low annual fee.

If you’re an existing credit union member with an eligible Smart Home Loan, you could receive a discounted interest rate on purchases and cash advances.

Additional cardholders can be added to the primary account at no extra cost. Each person added to the primary account must be at least 16 years old.

This Visa card can be loaded onto your Apple Pay or Google Pay app. Digital wallet features let you pay with your mobile phone, so there’s no need to carry the card on you.

Verified by Visa protects against the unauthorised use of your credit card when shopping online at participating merchants.

Contactless transactions less than $100 are supported by Visa payWave.

  • 0% balance transfer offer
  • Fee-free transactions
  • Free additional cardholders
  • Late payment fee
  • Moderate cash advance interest rate
  • No rewards or points program

Who is it good for?

The Northern Inland Credit Union Visa Classic Credit Card provides extra benefits to existing members with eligible home loans.

If you meet the criteria, you could enjoy the discounted home loans rewards rate on the Visa Classic Credit Card for the life of your home loan. 

There’s no rewards or points program attached to this Visa card. If you’re looking for a credit card to compliment any existing reward memberships this card may not be beneficial.

This credit card offers a range of Visa benefits, including access to Visa Entertainment. By signing up you could receive pre-sale tickets and member promotions.

If you’re after a credit card that offers secure transactions, Northern Inland Credit Union Visa Classic Credit Card may meet your needs.

It’s protected by Verified by Visa, a free service that provides extra protection when you shop online at participating Verified by Visa merchants.

What RateCity says

The Northern Inland Credit Union Visa Classic Credit Card is one of the less expensive credit cards on the market.

It also offers less in terms of fringe benefits. If you’re an existing member of the Northern Inland Credit Union with an eligible home loan, you may receive a discounted interest rate.

Otherwise, the interest rates on purchases and cash advances are moderate, as is the number of interest-free days.

This credit card provides 0 per cent interest balance transfers – some of the cheaper credit cards don’t.

There’s no rewards or points program attached to this credit card. Its limited number of fees and charges might be appealing if you’re looking for a basic credit card for daily use.

Additional cardholders can be included on the account at no extra cost, and with no annual fee for these cards.  


To be eligible for the Northern Inland Credit Union Visa Classic Credit Card, you must be at least 18 years old and a permanent Australian citizen. You will need to provide information regarding your employment, any financial liabilities and personal expenses available. If you’re self-employed you may need to provide tax return details for the last two years. Acceptable identification includes an Australian driver’s licence, passport or Medicare card. You can apply online, over the phone or in a branch.

About Northern Inland Credit Union

Northern Inland Credit Union began operating in 1988 following the amalgamation of three credit unions: the Namoi Credit Union, Oxley Mutual Credit Union and Tamworth Community Credit Union. Northern Inland, as it’s often called, is a member-owned mutual financial institution. Its head office is located in Tamworth, NSW. Northern Inland provides a full suite of products overseen by around 50 staff members. Northern Inland is regulated by the Australian Prudential Regulation Authority and the Australian Securities and Investments Commission.

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