Receive a 10% discount on travel insurance policies with a National Seniors Australia membership

Become a member today and discover a host of savings and benefits.

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

National Seniors Credit Card

Low fees and low interest rates

Low fees and low interest rates

A National Seniors Credit Card is perfect for the life you live today.

Enjoy up to 55 days interest free on purchases and competitive interest rates on purchases, cash advances and balance transfers.

Members benefit most

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


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.

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. 

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.

Plus, half your annual fee will go back to National Seniors, so you’ll be helping older Australians in need.

Not like the others

Features

Same low ongoing rate for retail purchases, cash advances and balance transfers.

Fast and convenient payments using payWave for purchases under $100.

Smart chip protection, payWave, Visa Zero Liability policy* and Verified by Visa for online purchases and no fee for additional cardholders.

Benefits

A low ongoing credit card rate.

Up to 55 days interest free on purchases.

Low annual fee of $40.

Interest Rates

Interest rate type: Variable.

Retail purchases: 8.99% p.a.^ ongoing rate.

Cash advances: 8.99% p.a.^ ongoing rate.

Fees and Charges

To read out the frees and charges, download the fees and charges statement below.

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

Frequently Asked Questions

Find out more in the Frequently Asked Questions.

Key Facts Sheet

Read our Key Facts Sheet.

Enquire online

For more information, contact our credit card service team on 1300 153 320 or send an online enquiry.

Making a difference for older Australians


Discover the benefits of a National Seniors Australia membership

Discover the benefits of a National Seniors Australia membership

National Seniors Australia is a not-for-profit organisation established in 1976.  We rely on people like you to become a member, or use our services, so we can continue to tackle issues such as age discrimination, accessible housing, pension poverty, health costs, aged care and improve retirement income.

We also have a range of discounts and benefits to help with the rising cost of living. For only $45, anyone can become a member and it only takes a few minutes to join.

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.