Newcastle Permanent Credit Cards

newcastle-permanent

Compare low rate and business credit card options from Newcastle Permanent.

Newcastle Permanent offers two credit card alternatives to applicants. The personal credit card offers competitive interest rates and interest-free days while the business credit card boasts unlimited cards with individual limits and multiple payment options to help manage your corporate expenses.

This financial institution also offers different types of products and services, which include savings and transaction accounts, home and personal loans, as well as credit cards.

Primarily servicing cardholders in the Northern Rivers, New England, Mid North Coast, Central Coast, and Hunter regions, you can use this guide to compare your options with Newcastle Permanent.

Comparison of Newcastle Permanent Credit Cards

Rates last updated May 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Newcastle Permanent Value+ Credit Card
Enjoy a competitive annual fee and interest rates on purchases, cash advances, and balance transfers.
11.49% p.a. $49 p.a. More info
Newcastle Permanent Business+ Credit Card
Enjoy a competitive interest rate of 13.2% p.a. on purchases and 16.2% p.a. on cash advances and balance transfers.
13.20% p.a. $55 p.a. More info

Types of credit cards that Newcastle Permanent offers

Newcastle Permanent offers Visa credit cards to suit both personal and business applicants. You can compare your options below:

  • Low rate credit card

The Newcastle Permanent Value+ credit card is a low rate card that offers 11.49% p.a. on purchases, cash advances and balance transfers. The card also has a competitive annual fee of $49 and up to 55 interest-free days on purchases when you pay your balance in full in the statement period. As a Visa card, you can look forward to global acceptance and the convenience of payWave contactless payments.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Newcastle Permanent Value+ Credit Card
11.49% p.a.
Up to 55 days on purchases
$49 p.a.
Enjoy a competitive annual fee and interest rates on purchases, cash advances, and balance transfers.

Compare up to 4 providers

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy up to 55 days interest-free.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Save with 11.99% p.a. on purchases. Also enjoy the protection of Fraudshield.
Westpac Low Rate Card
0% p.a. for 6 months (reverts to 13.49% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 12 months
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
Heritage Bank Gold Low Rate Credit Card
11.80% p.a.
0 interest free days
$0 p.a.
0% p.a. for 12 months
Save with 11.8% p.a. on purchases. Also enjoy $0 annual fee.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Enjoy a low balance transfer offer of 0% p.a. for 14 months and a low ongoing purchase rate from BankSA.

Compare up to 4 providers

Learn more about Low Rate Credit Cards

  • Business credit cards

The Business+ Credit Card that Newcastle Permanent is suited to businesses looking for overdraft facilities and a convenient line of credit. You can easily manage employee expenses with unlimited additional credit cards with individual credit limits under the single account. You can also take advantage of up to 44 interest-free days and ongoing 13.2% p.a. interest rates. Note that you'll need to pay an annual fee of $55 for each card.

Rates last updated May 27th, 2017
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
Newcastle Permanent Business+ Credit Card
Enjoy a competitive interest rate of 13.2% p.a. on purchases and 16.2% p.a. on cash advances and balance transfers.
N/A $55 p.a. More info
Rates last updated May 27th, 2017
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
Commonwealth Bank Business Gold Awards Credit Card
Get an unsecured credit limit of up to $50,000 and up to 55 days interest-free on purchases.
VISA/MC: 1 AMEX: 2 3 months $150 p.a. Go to site More info
American Express Platinum Business Card
Receive complimentary international travel and business expense insurances and gain access to 800 VIP Lounges in 100 countries.
100,000 bonus points VISA/MC: 0 AMEX: 1 6 months $1,500 p.a. $75,000 Go to site More info
American Express Velocity Business Card
Easily download expenses into business and account management software, plus receive two Virgin Australia lounge passes per year.
VISA/MC: 0 AMEX: 1 N/A $249 p.a. $24,000 Go to site More info
Commonwealth Bank Business Interest-Free Days Credit Card
The flexibility of a Mastercard and an American Express, plus the ability to directly transfer your points to Qantas frequent flyer.
N/A $60 p.a. Go to site More info
Commonwealth Bank Business Awards Platinum Credit Card
The flexibility of a Mastercard and an American Express, and the benefits that come with platinum plastic.
VISA/MC: 1 AMEX: 3 6 months $300 p.a. Go to site More info
American Express Business Card
A low fee business credit card with up to 51 days interest-free on purchases.
VISA/MC: 0 AMEX: 1 N/A $109 p.a. $24,000 Go to site More info
American Express Gold Business Card
Receive complimentary travel insurance, up to 51 days interest-free on purchases and no pre-set spending limit.
10,000 bonus points VISA/MC: 0 AMEX: 1 N/A $169 p.a. $24,000 Go to site More info
Commonwealth Bank Business Awards Credit Card
A low fee business rewards credit card with up to 55 days interest-free on purchases and a $50,000 limit.
VISA/MC: 1 AMEX: 1.5 N/A $100 p.a. Go to site More info
Shell Card
Minimise your fuel costs at over 1,000 locations across Australia. Save 6 cents per litre off fuel purchases at all Shell branded sites
N/A $30 p.a. Go to site More info
Learn more about Business Credit Cards

Benefits of the Newcastle Permanent Credit Card

While Newcastle Permanent credit cards don’t offer the bells and whistles you might associate with a premium credit card, cardholders are privy to various benefits:

  • Worldwide access and other Visa benefits

Merchants across the globe accept Visa credit cards, so you can use your Value+ Credit Card or Business+ Credit Card just about anywhere in the world. This means you can enjoy Visa perks such as Visa Entertainment and Visa payWave.

  • Additional cards

The Business+ Credit Card allows an unlimited number of cardholders under a single account and the Value+ Credit Card offers up to three additional cards for no extra cost.

  • Multiple ways to access account details

If you want monitor or manage your Newcastle Permanent account, you have the choice of visiting a branch or using phone, internet and mobile banking.

  • Balance transfers

You can use your Value+ Credit Card to transfer balances from existing credit cards and all you have to do is submit a balance transfer application form. The minimum you can transfer is $500 and the maximum depends on your credit limit. Any transferred amount attracts the card’s cash advance rate.

How to apply for a Newcastle Permanent Credit Card

You apply for a Newcastle Permanent credit card online after selecting the credit card you're interested in. If you’re self-employed or a pensioner you’ll have to complete a paper-based application. This is because of certain complexities surrounding income documentation. In any case, make sure you meet the eligibility criteria, which, for the Value+ Credit Card, are as follows:

Eligibility criteria

  • You should be at least 18 years old
  • You should be a permanent Australian resident
  • Your annual income should not be less than $20,000

Required documents and information

To complete the application, you have to provide a variety of information, which includes the following:

  • Personal details. These include your name, phone number, date of birth, address and driver’s license number.
  • Employment details. These include your employer’s name and contact details.
  • Financial information. You have to provide a detailed list of income from all sources, as well as assets and liabilities. These include details about savings, loan and credit card repayments. Employed individuals should provide their most recent payslips and self-employed individuals have to submit financial statements and personal tax returns for the last two years.

What happens after I apply?

If Newcastle Permanent requires any extra information after you submit the application, a bank representative will get in touch with you. Once the bank receives all the required information, it will process your application and inform you of the decision in writing. If you're approved, you should expect to receive your card within 10 business days.

If you’re not an existing Newcastle Permanent customer you will have to complete an identification verification process. You can complete the required formalities either by visiting a Newcastle Permanent branch or at an Australia Post office.

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Frequently asked questions

One way to make a payment is to visit a branch and pay by cash or cheque, or you can also mail in a cheque. You can make payments through electronic funds transfer using any Australian bank account. You can also make payments via BPAY.

The minimum credit limit this card comes with is $500 and its maximum limit stands at $20,000. When considering your application, the bank takes several aspects into account before assigning you a credit limit. You can request for an increase or decrease in your credit limit, but there is no obligation on the bank to honour your request. You can apply for an increase in your card’s limit online.

The Value+ Credit Card attracts a nominal annual fee, which you have to pay every year you keep the account active. If you’re late in making payments, you’ll have to pay a late payment fee. Other fees can include cash advance fees, direct debit dishonour fees, foreign currency conversion fees, card replacement fees, and replacement statement fees.

No, this is not currently a feature offered by Newcastle Permanent.

You should report lost or stolen cards as soon as possible. You'll need to call Newcastle Permanent directly to do this.

If you wish to cancel your card you can do so by writing to the bank, by visiting a branch, or even over the phone. You should return your card to the bank or destroy it to prevent fraudulent usage. The contract ends when you pay the outstanding balance in full, and until then you remain liable for money owing through transactions as well as fees and charges.

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