How long does it take to complete the online application?

Applying for a People First Bank credit card takes around 15 to 20 minutes if you have all the details you need to complete it. You also have the option of saving your application and coming back to it later if you need to – just click the "Finish later" option and it will be sent to you via the email address you provided.

Can I get an annual fee waiver?

People First Bank credit cards offer an annual fee waiver if one of the following applies to you: You are under 25 years of age and have an Activate Account. You have an existing People First Bank home loan or line of credit. You have a One to One or Financial Planning relationship with People First Bank.

How can I cancel my credit card

People First Bank credit cards can be cancelled by filling in a form on the credit union's website. Alternatively, you can visit a People First Bank branch or call 13 11 82 to discuss your credit card. Note that you will need to settle your card's entire balance before the account can be closed.

Who owns People First Bank?

As a customer-owned bank, People First Bank is owned by its members, with customers typically holding a membership share rather than traditional equity. It operates as a trading name of Heritage and People's Choice Ltd, following a merger between Heritage Bank and People's Choice Credit Union in March 2023, with the following details: ABN 11 087 651 125, Australian Financial Services Licence 244310 and Australian Credit Licence 244310.

People First Bank Credit Cards

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People First Bank (formerly People's Choice Credit Union) is an Australian member-owned financial institution established in 1949.
It offers a single Visa credit card with a low rate, worldwide acceptance and mobile payment options.

Compare People First Bank Credit Cards

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
People First Bank Visa Credit Card	Purchase rate p.a. 2.99% for 6 months, then 12.95%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 62 days on purchases	Balance transfer rate p.a. 2.99% for 6 months with 0% balance transfer fee, then 12.95%	Annual fee $59	View details Compare product selectionCompare	loading

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Benefits of a People First Bank credit card

Visa benefits

People First Bank credit cards can be used to shop in-store, online or over the phone with millions of businesses around the world – just look for the Visa logo. When you're shopping in a store, you can tap to pay and won't need to enter a PIN of the purchase is less than $100. You can also take advantage of exclusive deals on shopping, dining, entertainment and travel through Visa Offers + Perks, with the latest deals listed on the Visa Australia website.

Security

People First Bank credit cards offer 24/7 support for lost or stolen cards – just call the credit union on 13 11 82 during office hours or Visa on 1800 648 027 at any other time. Online, you also get the added benefit of Visa Secure to help protect your account from unauthorised transactions.

Digital wallets

If you have Apple Pay, Google Pay or Samsung Pay, you can add your People First Bank credit card and make payments straight from you mobile phone or other device.

How to apply for a People First Bank credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Credit card brands similar to People First Bank

If you want a credit card from a credit union or member-owned bank, here are 3 other credit card providers you could compare with People First Bank:

Frequently asked questions

People First Bank credit cards offer an annual fee waiver if one of the following applies to you:
- You are under 25 years of age and have an Activate Account.
- You have an existing People First Bank home loan or line of credit.
- You have a One to One or Financial Planning relationship with People First Bank.
As a customer-owned bank, People First Bank is owned by its members, with customers typically holding a membership share rather than traditional equity. It operates as a trading name of Heritage and People's Choice Ltd, following a merger between Heritage Bank and People's Choice Credit Union in March 2023, with the following details: ABN 11 087 651 125, Australian Financial Services Licence 244310 and Australian Credit Licence 244310.

Sources

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Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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2 Responses

MarianneMay 30, 2024

Do the Credit Union charge overseas transaction fees on either the credit or debit card?

Finder

SarahJuly 19, 2024Finder

Hi Marianne,

The People’s Choice Credit Union Visa Credit Card has a currency conversion fee of 3%.
I tried searching their website for the PDS related to their debit card but it’s not currently available on their site, so I can’t confirm the fee on their debit card. However as a guide, most Visa debit cards have a fee of 3%.

If you’d like to find a card that doesn’t charge overseas transaction or foreign exchange fees, you can search some credit card options here and debit card options here.

Hope this helps!

People First Bank Credit Cards

People First Bank credit cards offer low rates, simple features and can be used anywhere Visa cards are accepted.