National Seniors
Credit Card
Low fees and low interest rates - a National Seniors Credit Card is perfect for the life you live today.
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 when you pay your balance in full by the due date each month. Plus competitive interest rates on purchases cash advances and balance transfers.
Special Offer
Only 4.99%² for 6 months on balance transfer.
Competitive Interest Rates
8.99% p.a.¹ on purchases and cash advances.
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.
Security and simplicity
- Up to 55 days interest free on purchases.**
- 8.99%p.a.¹ on retail purchases, cash advances.
- 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.³
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.
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.
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 $49.50, anyone can become a member and it only takes a few minutes to join.
Discounts
Save with over 1,000 discounts on groceries, fuel, accommodation, fitness, health care, motor services, books, theme parks, appliances, cinemas, gift cards and more!
Our Generation magazine
Members receive a yearly subscription to Our Generation digital magazine!
Branches
Expand your social circle, enjoy social events, day-trips, guest speakers and meet like-minded members.
Financial Information Consultant
Members can speak to a real person to receive up-to-date information on retirement planning, estate planning, Centrelink benefits, investment choices, Aged Care, superannuation, and more!
Competitions
Enter and win newly released books, DVDs, CDs, and movie and event tickets with access to exclusive member-only competitions.
Advocacy campaigns
Find out how we make a difference to the lives of all older Australians through research-led advocacy.
Our research
Learn more about our research into older Australians' experiences and perspectives.
Advocacy wins
Take a closer look at the significant advocacy wins we've managed to secure for older Australians.
Credit eligibility criteria, terms & conditions, fees & charges apply. 1 Rates are current as at 01/09/20 and subject to change without notice.
2 Offer terms and conditions: Rate is current as at 01/09/20 and subject to change without notice. This is an introductory rate for 6 months only on balance transfers from funding date. After the initial 6 month introductory period, the interest rate for the balance transferred will revert back to the standard credit card rate at the time. Currently this rate is 8.99% p.a. Offer available for new and existing card holders where new balances are transferred to the card and offer can be withdrawn at any time.
3 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.
Community First Bank 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.
This Credit Card is issued on behalf of National Seniors Australia by Community First Credit Union Limited ABN 80 087 649 938 operating as Community First Bank AFSL/Australian Credit Licence 231204. Community First is the credit provider and issuer of the credit card.