Northern Inland Credit Union (NICU) Credit Cards

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Northern Inland offers a Visa credit card that gives you easy access to funds as well as a discounted interest rate

The history of Northern Inland dates back four decades, and it has operated under its current name since 1988 when the merger of Oxley Mutual Credit Union, Tamworth Community Credit Union, and Namoi Credit Union took place. Northern Inland has branches in West Tamworth, Gunnedah, and Narrabri, with its head office in Tamworth. This credit union offers its members financial services and products you might typically associate with a bank, which include everyday and savings accounts, different types of loans, business accounts, and insurance solutions. You can also apply for a Visa credit card through this credit union, which you can find out more about below.

Comparing the Northern Inland Credit Card

Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Northern Inland Credit Union Visa Credit Card
Low annual fee card plus an introductory offer on purchases and balance transfers.
8.99% p.a. for 6 months (reverts to 14.00% p.a.) 0% p.a. for 12 months $40 p.a. More info

Types of credit cards that Northern Inland offers

While this credit union does not provide variety through its credit card offerings, the credit card it offers is one you can use to good effect.

  • Low rate credit cards

Most low rate cards don’t offer much else other than low interest rates, although this itself is a big plus for many credit card users. The Visa credit card from Northern Inland comes with a low interest rate, and what sets it apart from many others is that it charges the same low interest for purchases as well as cash advances. If you use the card in the right way you can get as many as 55 interest-free days on purchases. You can use this credit card for balance transfers and can look forward to a discounted interest rate when you do so. You have to pay a nominal annual fee for as long as you keep your account active.

Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Northern Inland Credit Union Visa Credit Card
Low annual fee card plus an introductory offer on purchases and balance transfers.
8.99% p.a. for 6 months (reverts to 14.00% p.a.) 0% p.a. for 12 months $40 p.a. Up to 55 days on purchases More info
Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Up to 55 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
Newcastle Permanent Value+ Credit Card
Enjoy a competitive annual fee and interest rates on purchases, cash advances, and balance transfers.
11.49% p.a. $49 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Up to 44 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Save on your existing credit card interest with 0% for 18 months on balance transfers with a low annual fee and low ongoing purchase rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
A low rate credit card with 0% for 18 months on balance transfers and low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% for 20 months on balance transfers and 1% for 12 months if you apply by 29 September 2016.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info

Learn more about low rate credit cards 

Benefits of Northern Inland credit cards

Taking up the Visa credit card through Northern Inland comes with multiple benefits, which include the following:

  • Discounted interest rate

If you have a home loan with Northern Inland you can look forward to paying a discounted interest rate. For other cardholders, an introductory discounted rate for purchases stays in place for the first 6 months. At the end of the introductory period, any outstanding balance attracts the card’s standard variable rate.

  • Balance transfers

You can take advantage of a special 0% p.a. interest rate on balance transfers, where the rate stays in place for up to 12 months. You can request a balance transfer from accounts that you or someone else holds, as long as the amount does not exceed your credit limit and the accounts are not delinquent. Balance transfers don’t attract any fees.

  • Advantages of Visa

You can use your Northern Inland Visa credit card at over 24 million locations around the world, and you can withdraw funds from any ATM that displays the Visa logo. You can also use this Visa credit card for online and over-the-phone shopping. This credit card makes use of chip technology, making it much safer to use than a card that relies on just a magnetic strip. When you use this credit card to shop online, ‘Verified by Visa’ acts as a secondary line of defence, offering that all-important peace of mind.

How to apply for a Northern Inland Credit Union credit card

Northern Inland gives you different ways to apply for their Visa credit card. If you need help completing the application you can visit a Northern Inland branch or speak to a lending specialist over the phone. You can also download the application from the website and complete it on your own. To download the application, simply click on the ‘Go to Site’ button next to the description of the credit card. Before you proceed with the application establish if you fulfil the following eligibility criteria:

Application Criteria

  • You are at least 18 years of age
  • You are a permanent resident of Australia
  • You have good credit history
  • You have a steady source of income

In completing the application you have to submit different types of information, which include the following:

  • Applicant details. These include your complete name, home address, phone number, date of birth, marital status, number of dependants and the name and contact number of a relative.
  • Employment details. This section requires you to enter your occupation, employment status, employer’s name, employer’s address, employer’s phone number and how long you’ve been employed.
  • Income and expenditure details. Income includes that derived from all sources like your wage, pension, dividends and rental income. Examples of expenditure include loan repayments, rent, insurance premiums, utility bills, school fees, medication, vehicle repairs, fuel and day-to-day expenses.
  • Assets and liabilities. Assets include residential property, investment property, home contents, motor vehicles, superannuation, savings, and investments. Liabilities comprise of mortgages on your home or investment properties, personal loans, car loans, credit cards, store cards, and leases.

What happens after submitting the application?

Northern Inland might require additional information after you submit your application, and in such an event one of their specialists will contact you. Part of the application process requires that Northern Inland make an income verification call to your employer, so by informing your payroll department about this impending call you can help in speeding the process.

If you’re not an existing Northern Inland member you’ll have to become one in order to receive your card, and doing so requires that you follow a simple and straightforward process. New members have to go through an identity verification process, and this is a legal requirement. To complete the identity verification process you might have to take supporting documents to a Northern Inland branch.

Frequently asked questions

Below are answers to commonly asked questions about Northern Inland credit cards. If you wish to ask another question that isn’t listed below, you can use the form at the end of this page.

Can I submit an online application?

While you can download a credit card application from the Northern Inland website, they don’t give you the option to submit an online application.

Can I find out the status of my application?

Yes, you can check your application’s status by calling Northern Inland during business hours.

How can I make repayments?

You can make payments via electronic funds transfer through just about any Australian bank account, and you can transfer funds from an existing Northern inland account using the online or phone banking service. You have the option to set up automatic repayments to pay just the minimum monthly balance or to pay the balance off in full. To pay by cheque, you can mail it in or drop it off at your closest branch. You can also make payments towards your Northern Inland credit card account via BPAY.

Do Northern Inland credit cards come linked to a rewards program?

Northern Inland credit cards don’t offer any rewards to cardholders.

Can I get an additional card?

No, Northern Inland does not issue additional cards.

Can I request for an increase in my credit limit?

You can request for an increase in your card’s credit limit, but this has to be approved by Northern Inland.

How can I close my account?

You can close your account by submitting a written request. After the account’s closure you remain liable to repay any outstanding amount that the account had prior to closure.

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Credit Cards Comparison

Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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