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Northern Inland Credit Union Low Rate Visa Credit Card
2 reviews

Northern Inland Credit Union Low Rate Visa Credit Card

Purchase rate

8.99% p.a.

Balance transfer

N/A

Annual fee

$0 p.a.

Pros

8.99% p.a. on purchases and cash advances

No annual fee

Cons

0 interest free days on purchases

100% of customers who have rated this card would recommend it
  • Rates
    94%
  • Fees
    78%
  • Rewards
    N/A
  • Customer Service
    79%
  • Value
    88%
Overall user rating 68%
2 reviews
Interest Rates
Purchase rate 8.99% p.a.
Cash advance rate 8.99% p.a.
Interest free on purchases up to 0 days
Balance Transfer
Banks you can't balance transfer from Northern Inland Credit Union
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $0 p.a.
Cash advance fee N/A
Late payment fee $15
Credit card type Visa
Complimentary insurance
Flight inconvenience insurance No
Transit accident insurance No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental Vehicle Excess In Australia Insurance No

Northern Inland Credit Union Low Rate Visa Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au.

The Northern Inland Credit Union Low Rate Visa Credit Card

The Northern Inland Credit Union Low Rate Visa Credit Card is a card that keeps it simple. Shunning fancy features, enticing introductory offers and attractive rewards programs, this card simply offers cardholders good value, with one super low rate on purchases and cash advances, and no annual fee to pay ever.

What we love...

If you have been checking out other credit card options to compare interest rates, you’ll likely realise just how appealing the Northern Inland Credit Union Low Rate Visa Credit Card really is. Focussing on keeping costs to a minimum, this card happens to have one of the lowest rates in the market, which covers both purchases and cash advances.

So, why should the interest rate on your card matter? When you carry a balance on your credit card, that balance will attract interest at the stated rate. If you have a card with a purchase rate reaching 22% or 23% p.a., the interest you pay on your balance will obviously be much higher than on a card such as the Northern Inland Credit Union Low Rate Visa Credit Card.

It’s fair to say that some of these higher rate cards offer interest free days to cardholders who clear their balance by the due date each month. This allows cardholders to avoid those high interest charges while enjoying everything else the card has to offer. However, cardholders who carry a balance will pay that higher rate of interest from the day they make the purchase.

Aside from potentially saving you on interest, the Northern Inland Credit Union Low Rate Visa Credit Card can also help you save on annual fees. We often find that basic cards such as these have a low annual fee, but this card actually has no annual fee at all. That means you can keep the card in your wallet at no cost – apart from any interest charges or other fees that may apply.

What’s not so great...

As we mentioned previously, some cards offer interest free days to cardholders who clear their balance each month. Unfortunately, the Northern Inland Credit Union Low Rate Visa Credit Card does not offer any interest free days, so cardholders start to pay interest from the day they make each purchase.

While this is not ideal for cardholders who clear their balance – another option with interest free days may be a better choice for them – those who carry a balance would not benefit from an interest free feature anyway.

Why should you choose this card?

With its super low rate, the Northern Inland Credit Union Low Rate Visa Credit Card would likely benefit cardholders who carry a balance. Paying less in interest, it could allow them to pay off more of what they owe to clear their balance faster. Paying no annual fee could help them save even more, keeping costs as low as possible.

While the card offers handy features offered on all Visa credit cards – such as access to Visa Entertainment offers and fast payments via Visa payWave – the card is for the most part a no frills option. This could work well for cardholders who want a simple card, not bogged down by complex features and small print.

Overall Rating

With no annual fee and one of the market’s lowest purchase rates, the Northern Inland Credit Union Low Rate Visa Credit Card is a low cost option that keeps it nice and simple.

(showing the latest 10 Q&As)

Northern Inland Credit Union Low Rate Visa Credit Card

Key features

  • 8.99% p.a. on purchases and cash advances
  • No annual fee
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Permanent Resident or Australian Citizen
  • You have your personal details ready to complete the online application
Northern Inland Credit Union Low Rate Visa Credit Card
Northern Inland Credit Union Low Rate Visa Credit Card

Northern Inland Credit Union Low Rate Visa Credit Card

Updated 18 June 2019

Purchase Rate (p.a)

8.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$0

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 8.99% p.a. on purchases and cash advances
  • No annual fee

  • 0 interest free days on purchases

Creditcard.com.au review

Editor Review

Northern Inland Credit Union Low Rate Visa Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Northern Inland Credit Union Low Rate Visa Credit Card

The Northern Inland Credit Union Low Rate Visa Credit Card is a card that keeps it simple. Shunning fancy features, enticing introductory offers and attractive rewards programs, this card simply offers cardholders good value, with one super low rate on purchases and cash advances, and no annual fee to pay ever.

What we love...

If you have been checking out other credit card options to compare interest rates, you’ll likely realise just how appealing the Northern Inland Credit Union Low Rate Visa Credit Card really is. Focussing on keeping costs to a minimum, this card happens to have one of the lowest rates in the market, which covers both purchases and cash advances.

So, why should the interest rate on your card matter? When you carry a balance on your credit card, that balance will attract interest at the stated rate. If you have a card with a purchase rate reaching 22% or 23% p.a., the interest you pay on your balance will obviously be much higher than on a card such as the Northern Inland Credit Union Low Rate Visa Credit Card.

It’s fair to say that some of these higher rate cards offer interest free days to cardholders who clear their balance by the due date each month. This allows cardholders to avoid those high interest charges while enjoying everything else the card has to offer. However, cardholders who carry a balance will pay that higher rate of interest from the day they make the purchase.

Aside from potentially saving you on interest, the Northern Inland Credit Union Low Rate Visa Credit Card can also help you save on annual fees. We often find that basic cards such as these have a low annual fee, but this card actually has no annual fee at all. That means you can keep the card in your wallet at no cost – apart from any interest charges or other fees that may apply.

What’s not so great...

As we mentioned previously, some cards offer interest free days to cardholders who clear their balance each month. Unfortunately, the Northern Inland Credit Union Low Rate Visa Credit Card does not offer any interest free days, so cardholders start to pay interest from the day they make each purchase.

While this is not ideal for cardholders who clear their balance – another option with interest free days may be a better choice for them – those who carry a balance would not benefit from an interest free feature anyway.

Why should you choose this card?

With its super low rate, the Northern Inland Credit Union Low Rate Visa Credit Card would likely benefit cardholders who carry a balance. Paying less in interest, it could allow them to pay off more of what they owe to clear their balance faster. Paying no annual fee could help them save even more, keeping costs as low as possible.

While the card offers handy features offered on all Visa credit cards – such as access to Visa Entertainment offers and fast payments via Visa payWave – the card is for the most part a no frills option. This could work well for cardholders who want a simple card, not bogged down by complex features and small print.

Overall Rating

With no annual fee and one of the market’s lowest purchase rates, the Northern Inland Credit Union Low Rate Visa Credit Card is a low cost option that keeps it nice and simple.

User reviews

Northern Inland Credit Union Low Rate Visa Credit Card ( based on 2 Creditcard.com.au user reviews )

68% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 8.99% p.a.

Cash advance rate 8.99% p.a.

Interest free on purchases up to 0 days

Credit limits

Minimum credit limt $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $0 p.a.

Additional card holder fee N/A

Foreign transaction fee N/A

Minimum repayment

Cash advance fee N/A

Late payment fee $15

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Overview

Northern Inland Credit Union Low Rate Visa Credit Card

Key features

  • 8.99% p.a. on purchases and cash advances
  • No annual fee

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Resident or Australian Citizen

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

(showing the latest 10 Q&As)

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