---
title: "Classic Credit Card — Northern Inland Credit Union Limited"
description: "Credit & Charge Cards from Northern Inland Credit Union Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS55
source: "CDR Compare"
language: en-AU
last_updated: 2026-01-21T11:16:44.000+11:00
---

# Classic Credit Card — Northern Inland Credit Union Limited

> Credit & Charge Cards from Northern Inland Credit Union Limited. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards · NORTHERN INLAND CREDIT UNION LTD.**

Use your credit card for shopping, online purchasing, travelling overseas or even to consolidate other credit or store card debt.

## At a glance

- **Purchase rate:** 14%
- **Annual fee:** $40.00

## Apply

Applications are handled by the provider: [Apply at Northern Inland Credit Union Limited](https://www.nicu.com.au/banking/banking-enquiry)

## 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)
- **Digital wallet** — Apple Pay (The easy way to pay everyday with Apple Pay)
- **Digital wallet** — Google Pay (The convenience of a mobile wallet in your hands with Google Pay)

## Eligibility

- **Residency status** — AU (Individuals 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 from Northern Inland Credit Union Limited

- [Overview](https://nicu.com.au/banking/cards/visa-classic-credit-card)
- [Terms & conditions](https://www.nicu.com.au/banking/cards/visa-classic-credit-card)
- [Eligibility](https://www.nicu.com.au/banking/cards/visa-classic-credit-card)
- [Fees & pricing](https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx)

## Data provenance

- Published by Northern Inland Credit Union Limited under the Consumer Data Right
- Product ID: `NICUS55`
- Last updated by the provider: 21 January 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/northern-inland-credit-union-limited/NICUS55
- Provider page: https://www.cdrcompare.au/brands/northern-inland-credit-union-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000356

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS55) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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