National Seniors
Credit Card


Low fees and low interest rates - a National Seniors Credit Card is perfect for the life you live today.

Apply now

Special Offer

Only 4.99%* for 6 months on balance transfer

Competitive Interest Rates

8.99% p.a.^ on purchases, cash advances and balance transfers

Annual Fee of $40

Half of annual fee^ will go back to National Seniors so we can help build a better future for all Australians

Feature

Up to 55 days interest free on purchases**

National Seniors Credit Card


Switch to National Seniors Credit Card and enjoy low fees and low interest rates - a National Seniors Credit Card is perfect for the life you live today. Plus, half your annual fee will go back to National Seniors, so you’ll be building a better life for you and future generations.

Security and simplicity.

• Up to 55 days interest free on purchases**
• 8.99%p.a.^ on retail purchases, cash advances and balance transfers
• Low annual fee of $40 – half ($20) will go back to National Seniors so we can help build a better future for all Australians
• 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.

Benefits

• 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.

Features

• 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: 8.99% p.a.^ ongoing rate
Cash advances: 8.99% 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 or send an online enquiry..

Terms and conditions


Credit eligibility criteria, terms & conditions, fees & charges apply. ^Rates are current as at 1 September 2020 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.

Offer terms and conditions: Credit eligibility criteria, terms & conditions, fees & charges apply. Rates are current as at 01/09/20 and subject to change without notice. *This is an introductory rate for 6 months only on balance transfers. This introductory rate is for 6 months from funding. ^After the initial 6 month introductory period, the interest rate of 4.99% p.a. will revert back to the standard credit card rate at the time. Currently this rate is 8.99% p.a. This offer is only available for new applications and can be withdrawn at any time without notice. #To receive interest free days, you must pay your balance in full by the due date each month. For more information visit www.nationalseniors.com.au. The National Seniors Visa Credit Card is issued on behalf of Community First Credit Union Ltd. ABN 80 087 649 938, AFSL and Australian Credit Licence Number 231204. Community First is the credit provider and issuer of the credit card.