Credit Card Compare

National Seniors Credit Card

Data last updated 20 July 2026
8.99%
Purchase rate
$50
Annual fee
55 days
Interest-free

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National Seniors Credit Card card
You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia

CardIQ

67Good

Good

Overall score, out of 100 · How this works

  • 55 days interest-free62
  • Balance transfer53
  • First timer79
  • Low rate74

Customer reviews

No reviews yet. Be the first to review the National Seniors Credit Card.

Pros & cons

What's good

  • The 8.99% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
  • No fee to add an additional cardholder.

Worth noting

  • 3% foreign transaction fee on overseas spending.
  • Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Visa
Card use
Personal
Credit limit
$500 – $15,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
No
Joint application
No
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
8.99% p.a.
Purchases
8.99% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$50 p.a.
Cash advance fee
—
Foreign transaction fee
3%
Late payment fee
$25

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
3% of the closing balance or $20, whichever is greater

Balance transfers

Can't transfer from
Community First Bank, National Seniors
Limit
Up to your available credit limit
Period
6 months
Promotional rate
4.99% p.a.
Revert rate
8.99% p.a.
Transfer fee
0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate8.99%Top 10% (3rd of 196 cards)
Interest-free days55 daysTop 10% (6th of 192 cards)
Overseas fee3.00%Better than most (53rd of 200 cards)
Annual fee$50 a yearBetter than most (67th of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
National Seniors