Classic Credit Card
Use your credit card for shopping, online purchasing, travelling overseas or even to consolidate other credit or store card debt.
- Purchase rate
- 14%
- Annual fee
- $40.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Balance transfer Up to 55 interest free days on all purchases made | 0% | — | — |
| Cash advance Up to 55 interest free days on all purchases made | 14% | — | — |
| Purchase Up to 55 interest free days on all purchases made | 14% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| BANK@POST_TRANS Capped at $0.00 · First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390. | Transaction | $4.00 |
| VISA_ATM_WITHDRAWAL_OVERSEAS Capped at $0.00 | Transaction | $2.00 |
| VISA_CONVERSION_FEE Capped at $0.00 | Cash advance | Variable |
| VISA_CLASSIC_COUNTER_WDL Capped at $0.00 | Withdrawal | $2.50 |
| VISA_CLASSIC_ANNUAL_FEE Charged yearly · Capped at $0.00 | Ongoing | $40.00 |
| VISA_CLASSIC_ATM Capped at $0.00 | Event | $1.50 |
| ALERTS Capped at $0.00 · First 8 free | Event | $0.25 |
Features
- Card access
- Shop online or in store with our Classic Credit Card
- Digital banking
- Secure banking 24/7 from your computer or mobile with Online Banking
- Digital banking
- 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.
- Real-time payments (NPP)
- Send and receive real-time payments via Osko from your Online Banking and NICU smartPay App
- PayID
- Receive fast real-time payments using your mobile number, email address or ABN instead of your BSB and account number
- Notifications — Alerts
- Receive notifications for transactions and balances on your accounts via SMS
Eligibility
- Residency status — AUIndividuals must be citizens or permanent residents of Australia.
- Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.
More Information
Published by Northern Inland Credit Union Limited under the Consumer Data Right · Last updated 21 January 2026 · Product ID NICUS55 · View on CDR.gov.au · View Source Data (JSON)