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People’s Choice Credit Union Credit Cards

People's Choice Credit Union credit cards offer low rates, simple features and can be used anywhere Visa cards are accepted.

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People's Choice

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's Choice Credit Union Credit Cards

Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
People's Choice Credit Union Visa Credit Card
Purchase rate p.a.
2.99% for 6 months, then 12.95%
Bonus points
Points per $ spent
Interest-free period
Up to 62 days on purchases
Balance transfer rate p.a.
2.99% for 6 months, then 12.95%
Annual fee
More Info
Get up to 62 days interest-free on purchases and make mobile payments with Apple Pay, Google Pay and Samsung Pay.

Types of credit cards from People's Choice Credit Union

  • Low rate credit card

The People's Choice Credit Union Visa offers an introductory rate of 2.99% p.a. on purchases and balance transfers for the first 6 months. After that, a variable interest rate of either 15.75% p.a. or 12.95% p.a. applies and is based on your application details. This is different to most credit cards, which typically offer one standard variable rate. But as both interest rates are lower than the average credit card interest rate of around 20%, you can compare this card to low rate credit cards.

Benefits of a People's Choice Credit Union credit card

  • Visa benefits

People's Choice Credit Union 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's Choice Credit Union 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's Choice Credit Union credit card and make payments straight from you mobile phone or other device.

How to apply

You can apply for a People's Choice Credit Union credit card online by filling in a secure application form. You can also apply over the phone by calling 13 11 82 or by visiting a branch. To get started, make sure you meet the eligibility requirements and have all the documents and details you'll need to complete the application.


  • Age. You must be at least 18 years of age.
  • Australian residency status. You must be a permanent Australian resident or an Australian citizen.
  • Employment. You must currently have paid employment.
  • Credit history. You must agree to a credit check and should not have been bankrupt or had any legal judgments in the last five years. You can get a free copy of your credit report and score to check these details.

Documents and details

  • Personal details. This includes your name, contact details, marital status, number of dependants and your date of birth. You also need to provide a valid form of ID, such as your driver's licence, Medicare care or passport.
  • Employment details. As well as your salary, you need to provide details such as your job title, length of employment and your employer’s contact details. You may also need to submit recent payslips or bank statements to help verify this information.
  • Financial details. This covers income any other sources, as well as savings, investments, other assets and your existing debts. You also need to estimate your share of regular household expenses, such as rent or mortgage payments, utility bills and grocery shopping.

If you have any questions about the application or if you want to check its status after you've submitted all your details, call People's Choice Credit Union on 13 11 82 or visit a branch.

Credit card brands similar to People's Choice

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's Choice:

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

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More guides on Finder

  • People’s Choice Credit Union Visa Credit Card

    The People's Choice Credit Union Visa card charges a low 2.99% p.a. interest rate for the first 6 months and offers up to 62 interest-free days on purchases. Check out its other features to decide if its right for you.

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