{
  "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS55",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Shop online or in store with our Classic Credit Card",
        "additionalInfoUri": "https://nicu.com.au/banking/cards"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Secure banking 24/7 from your computer or mobile with Online Banking",
        "additionalInfoUri": "https://nicu.com.au/help-support/online-banking"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.",
        "additionalInfoUri": "https://nicu.com.au/help-support/smartpay-app"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Send and receive real-time payments via Osko from your Online Banking and NICU smartPay App",
        "additionalInfoUri": "https://www.nicu.com.au/help-support/osko-fast-payments"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Receive fast real-time payments using your mobile number, email address or ABN instead of your BSB and account number",
        "additionalInfoUri": "https://www.nicu.com.au/help-support/osko-fast-payments"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Alerts",
        "additionalInfo": "Receive notifications for transactions and balances on your accounts via SMS",
        "additionalInfoUri": "https://nicu.com.au/help-support/alerts"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "The easy way to pay everyday with Apple Pay",
        "additionalInfoUri": "https://nicu.com.au/help-support/apple-pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "The convenience of a mobile wallet in your hands with Google Pay",
        "additionalInfoUri": "https://nicu.com.au/help-support/google-pay"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application."
      }
    ],
    "fees": [
      {
        "name": "BANK@POST_TRANS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "VISA_ATM_WITHDRAWAL_OVERSEAS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "VISA_CONVERSION_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "VISA_CLASSIC_COUNTER_WDL",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "VISA_CLASSIC_ANNUAL_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "VISA_CLASSIC_ATM",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "ALERTS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "First 8 free",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.14",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Up to 55 interest free days on all purchases made",
        "additionalInfoUri": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.14",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Up to 55 interest free days on all purchases made",
        "additionalInfoUri": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card"
      },
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Up to 55 interest free days on all purchases made",
        "additionalInfoUri": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card"
      }
    ],
    "productId": "NICUS55",
    "lastUpdated": "2026-01-21T11:16:44.000+11:00",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Classic Credit Card",
    "description": "Use your credit card for shopping, online purchasing, travelling overseas or even to consolidate other credit or store card debt.",
    "brand": "NORTHERN INLAND CREDIT UNION LTD.",
    "brandName": "NORTHERN INLAND CREDIT UNION LTD.",
    "applicationUri": "https://www.nicu.com.au/banking/banking-enquiry",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://nicu.com.au/banking/cards/visa-classic-credit-card",
      "termsUri": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card",
      "eligibilityUri": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card",
      "feesAndPricingUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
    }
  }
}