Northern Inland Credit Union Credit Cards

Once you’ve completed the application process, you’ll need to activate the card before you can use it. You can activate your card using online banking, by calling the Northern Inland on 1300 65 65 81, or by visiting a branch.

You can manage your Northern Inland credit card through online banking. By using the Northern Inland online banking service, you can activate and deactivate your card, view your recent transaction history, view your balance, and more.

When interest is charged

Interest is charged on purchases when you carry a balance on your BankVic credit card. Interest is charged on cash advances from the date of withdrawal and on balance transfers from the date of transfer.

When interest is not charged

Up to 55 interest-free days apply to purchases made by the Visa Classic credit cards as long as you have paid the balance in full for the previous month’s statement and for the current month’s statement. Note that there are no interest-free days on the Northern Inland Credit Union Low Rate Visa credit card.

For more information about interest-free days, check out our article on how they work.

Your credit limit for a Northern Inland credit card will be determined based on the information you provide in your application, above the minimum credit limits (see above). Find out more about how credit limits are determined here.

If you wish to change the credit limit on your card, you can submit a request at any time by emailing info@nicu.com.au or by calling 1300 65 65 81. Northern Inland may approve or reject this request based on their lending criteria.

You can close your Northern Inland credit card account at any time by posting a written request. Your card balance will need to be repaid in full even after the card is closed, and you will continue to receive monthly statements until your card balance is fully repaid.

If you’re cancelling your credit card with Northern Inland Credit Union because you’re struggling financially, contact its financial hardship team to find a potential solution.

If you’re cancelling because you are dissatisfied with your current card, then you might want to consider checking out what other credit cards are on the market by clicking our comparison button below:

Compare Credit Cards

Northern Inland Credit Union has over 40 years’ experience in providing financial services, and is entirely member-owned. It has gone by the name of Northern Inland Credit Union since 1988, when three companies – Oxley Mutual Credit Union, Tamworth Community Credit Union, and Namoi Credit Union – merged.

Northern Inland Credit Union support local businesses and community groups. Northern Inland proudly partners with a number of organisations through its sponsorship program as of 2016-17, including:

• Tamworth Gymnastics Club Inc
• Tamworth Carols in the Park
• Tamworth and District Cricket Association
• West Tamworth Sports & Bowling Club
• Gunnedah Camp Draft Association
• Gunnedah PRAMS
• Primary and secondary schools in the Tamworth area