Newcastle Permanent Credit Cards

Newcastle Permanent is a mutual bank with branches between Gosford and Newcastle. It offers one low rate credit card with simple features, including contactless payments and the option to transfer a balance from an existing credit card.

Compare Newcastle Permanent Credit Cards

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Newcastle Permanent Value+ Credit Card	Purchase rate p.a. 11.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 11.99%	Annual fee $49	More Info Compare	Save money with up to 55 days interest-free on purchases, a $49 annual fee and a low 11.99% p.a. interest rate on purchases and balance transfers.

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Types of credit cards from Newcastle Permanent

• Low rate credit card

The Newcastle Permanent Value+ credit card is a low rate card that offers interest on purchases, cash advances and balance transfers. You can use it anywhere Visa is accepted and have the option of making contactless payments at the checkout. This card also has an annual fee of $49 that's competitive with other low rate credit cards.

Benefits of getting a credit card with Newcastle Permanent

• Visa benefits

You can use this card in person, online and over the phone with any business that accepts Visa card payments. If you're shopping in person, you can tap to pay with no need to enter a PIN for purchases under $100. You also get access to shopping, dining, entertainment and travel deals with Visa Offers + Perks.

• Digital wallets

Newcastle Permanent credit cards can be added to Apple Pay and Google Pay so you can make payments straight from your mobile phone or device.

• Additional cards

The Newcastle Permanent Value+ Credit Card offers up to 3 additional cards at no extra cost.

• Account management

You can check your balance and manage your account with Internet banking or the Newcastle Permanent mobile app. You also have the option of banking over the phone by calling 13 19 12, or visiting a branch in NSW.

• Balance transfers

You can use the Value+ Credit Card to transfer balances from existing credit cards or store cards by submitting a completed balance transfer application form (available on the Newcastle Permanent website). Keep in mind that any transferred balances will attract the card's interest rate once the transfer is complete. This is different to balance transfer credit cards that offer a low or 0% interest rate for an introductory period, so it's worth comparing a few options to find one that helps you save on costs.

How to apply

You can apply for a Newcastle Permanent credit card online by filling in a secure application form on the Newcastle Permanent website. Before you get started, make sure you meet the following eligibility criteria and have all the documents and details you'll need to complete the application.

Eligibility criteria

• Age. You should be at least 18 years old.
• Australian residency status. You must be an Australian citizen or permanent resident.
• Minimum income. Your annual income must be at least $20,000

Documents and details

• Personal details. This includes your name, date of birth, residential address, email address and mobile phone number. You also need to provide a valid form of ID, such as your driver’s licence, passport or Medicare number.
• Employment details. As well as your annual salary, you need to share details of your profession, length of employment and your employer's contact details. You may also need to provide recent payslips or bank statements to help verify these details.
• Financial details. This covers any other sources of income, investments, savings, other assets and your existing cards, loans, debts or other liabilities. You also need to provide an estimate of your share of regular household expenses, such as rent or mortgage payments, bills and groceries.

If you don't have all the required details or want more time, you can save the application and come back to it by entering your phone number and a reference number you'll be provided with when you save it. If you have any questions about your application, you can call Newcastle Permanent on 13 19 87.

Credit card brands similar to Newcastle Permanent

If you want a credit card from a member-owned bank or one with geographic connections, here are 3 other credit card providers you could compare with Newcastle Permanent:

• Australian Mutual Bank credit cards
• Great Southern Bank credit cards
• Bankwest credit cards

Frequently asked questions

• How can I make repayments?

  Specific repayment details will be shown on your Newcastle Permanent credit card statement each month. This includes the following ways to pay:

  • BPAY from an Australian bank account
  • Automatic payments for the minimum, full amount owed or a fixed amount of your choosing (as long as it's more than the minimum required)
  • Payments by post
  • Payments in person at a Newcastle Permanent branch

  Note that some repayment options, including BPAY and automatic payments, may take a few days to be processed. This means it's ideal to make your repayment a few days before the due date on your statement so that it is processed in time.

• Do Newcastle Permanent credit cards offer reward points or rewards?

  No, this is not currently a feature offered by Newcastle Permanent. If you want to earn rewards as you spend, you can compare a range of rewards credit cards here.

• What should I do if I lose my card?

  If your card is lost or stolen, report it to Newcastle Permanent straight away by calling 13 19 87 when you're in Australia, or +61 2 4907 6501 when you're overseas.

• How can I cancel my card?

  You can close your credit card account through internet banking, or by visiting a branch or calling Newcastle Permanent on 13 19 87. Note that you will need to pay the account's entire balance before you can close it. Check out Finder's guide to=closing your credit card account for more details on the process.

• What banks are affiliated with Newcastle Permanent?

  Newcastle Permanent is a part of Newcastle Greater Mutual Group Ltd and has its own Australian Financial Services Licence/Australian credit licence (238273), so it is not directly affiliated with another bank for those services. It also has its own ATM network but does not charge customers of other banks to use these machines.

Contact details and related links

• Newcastle Permanent phone number: 13 19 87
  8am-6pm, Mon-Fri and 9am-2pm Sat
• Newcastle Permanent home loans
• Newcastle Permanent savings and bank accounts

Image: Newcastle Permanent