National Seniors
Credit Card

Low annual fees, low interest rates and a safe way to access your money.

For the life you live today.

Apply now

Introducing National Seniors Credit Card

Switch to the National Seniors Visa card and enjoy great rates and secure access to your money, safe in the knowledge that you’re helping to create a better future for all older Australians.

Security and simplicity.

• 9.95%p.a.^ on retail purchases, cash advances and balance transfers
• Low annual fee of $40
• No fee for additional cardholders

And, thanks to Visa’s Zero Liability policy, you won’t be held responsible for fraudulent transactions or unauthorised purchases made with your card or account information.*

A secure and convenient way to pay for everyday expenses and exceptional adventures.

This offer is open to National Seniors members and their families.


• A low ongoing credit card rate
• Half ($20) of the annual fee will be donated to the National Seniors Foundation to support National Seniors’ financial literacy service and to lobby for a more secure, healthy and happy older age for all Australians.


• Up to 55 days interest free on purchases**
• Same low ongoing rate for retail purchases, cash advances and balance transfers
• Low annual fee of $40
• Fast and convenient payments using payWave for purchases under $100
• Up to date security such as – smart chip protection, payWave, Visa Zero Liability policy* and Verified by Visa for online purchases
• No fee for additional cardholders

Fees and Charges

Annual fee: $40 ($20 donated each year you hold the card)
Additional cardholder’s fee: $0
Late payment fee: $25
International conversion fee: 3% of transaction value in $AUD
Card replacement fee (Australia): $12.50
Card replacement fee (Overseas): US$175.00
Visa chargeback: $20.00
Copy of Visa Voucher: $25.00

Interest Rates

Interest rate type: Variable
Retail purchases: 9.95% p.a.^ ongoing rate
Cash advances: 9.95% p.a.^ ongoing rate

Apply today

You can apply if you:

  • Are over 18 years of age
  • Have a regular income
  • Are not bankrupt
  • Are an Australian citizen or a permanent resident
  • Have not had defaults on any loans, credit cards, interest-free finance or store cards in the last 5 years
  • Earn a regular income
Apply Today

For more information, contact our credit card service team on 1300 153 320

Credit eligibility criteria, terms & conditions, fees & charges apply. ^Rates are current as at 1 December 2018 and subject to change without notice. Community First Credit Union will donate $20 to National Seniors Australia from the annual fee for each National Seniors Visa card, funding National Seniors Australia Foundation’s Financial Literacy Service, leading-edge research and advocacy into issues affecting older people Australia-wide. *Visa’s Zero Liability policy covers Australian and New Zealand-issued cards, but does not apply to ATM transactions not processed by Visa or certain commercial card transactions. This Credit Card is issued on behalf of National Seniors Australia by Community First Credit Union Limited ABN 80 087 649 938 AFSL/Australian Credit Licence 231204. Community First is the credit provider and issuer of the credit card. **Refer to product terms and conditions for further information on interest charges.

Exciting member benefit - new online store!

Receive a worthwhile 15% member discount in our new online store - great gifts for friends and family and after shopping, please let us know what you'd like to see in the store in the future. Our aim is to provide a diverse range suitable for all life stages.

Read More

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