{ "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "legal_entity_abn": "36087650422", "public_base_uri": "https://secure.nicu.com.au/OpenBanking", "logo_uri": "https://nicu.com.au/images/UserUploadedImages/11/NICUlogo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-01-21T00:16:44Z", "at_a_glance": { "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.", "rates": [ {"segment":"personal","kind":"low_rate","rank":44,"of":52,"product_label":"Classic Credit Card","card_type":"credit","purchase_rate_pct":14.0,"annual_fee":40.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":null,"min_credit_limit":null,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":true} ], "condition_sets": { "k1": [ "not updated by the bank since 2026-01-21; check its page, as the rate or fee may have changed", "Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application." ] }, "unranked": { "products": 0 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category", "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "NICUS55", "product_name": "Classic Credit Card", "product_label": "Classic Credit Card", "product_slug": "classic-credit-card", "page": "/au/finance/credit-cards/cards/northern-inland-credit-union-limited/classic-credit-card/", "product_url": "https://nicu.com.au/banking/cards/visa-classic-credit-card", "terms_url": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card", "fees_url": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx", "eligibility_url": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card", "card_type": "credit", "scheme": null, "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "Use your credit card for shopping, online purchasing, travelling overseas or even to consolidate other credit or store card debt.", "purchase_rate_pct": 14.0, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Up to 55 interest free days on all purchases made", "cash_advance_rate_pct": 14.0, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 40.0, "fee_period": "annual", "fee_as_stated": 40.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "VISA_CLASSIC_ANNUAL_FEE", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-01-21; check its page, as the rate or fee may have changed", "Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application." ], "eligibility": [ "Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application." ], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 44, "of": 52, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": true, "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS55", "source_snapshot": "/au/finance/credit-cards/v1/source/northern-inland-credit-union-limited/NICUS55.json", "snapshot_at": "2026-10-24T09:58:03Z", "bank_last_updated": "2026-01-21T11:16:44.000+11:00", "from_issuer_page": null } ], "rows": [ { "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "legal_entity_abn": "36087650422", "product_id": "NICUS55", "product_name": "Classic Credit Card", "product_label": "Classic Credit Card", "product_slug": "classic-credit-card", "page": "/au/finance/credit-cards/cards/northern-inland-credit-union-limited/classic-credit-card/", "product_url": "https://nicu.com.au/banking/cards/visa-classic-credit-card", "terms_url": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card", "fees_url": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx", "eligibility_url": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card", "card_type": "credit", "scheme": null, "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 14.0, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 14.0, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 40.0, "fee_period": "annual", "fee_as_stated": 40.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "VISA_CLASSIC_ANNUAL_FEE", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-01-21; check its page, as the rate or fee may have changed", "Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application." ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": true, "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS55", "source_snapshot": "/au/finance/credit-cards/v1/source/northern-inland-credit-union-limited/NICUS55.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-01-21T11:16:44.000+11:00", "from_issuer_page": null, "rate_pct": 14.0, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 44, "of": 52, "hidden_by_default": null } ] } ], "licence_shared_with": [] }