People’s Choice Credit Union Credit Cards

People's Choice Credit Union offers a single Visa credit card with a low rate, worldwide acceptance and mobile payment options. You can use this guide to learn more about the card, as well as different benefits you can get through People's Choice Credit Union.

Comparison of People's Choice Credit Union Credit Cards

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Name	Product	Purchase rate	Interest-free period	Annual fee	Balance transfer rate
People's Choice Credit Union Visa Credit Card		2.99% p.a. for 6 months, reverts to 12.95% p.a.	Up to 62 days on purchases	$59	2.99% p.a. for 6 months	Receive up to 62 days interest-free on purchases and the ability to use Google Pay or Apple Pay.	More Info	Compare	loading Fetching your data...

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Types of People’s Choice Credit Union credit cards

• Low rate credit cards

The People's Choice Credit Union credit card offers a low introductory rate of 2.99% p.a. for the first 6 months. After that, a low variable interest rate applies for all your transactions, with the actual rate determined based on your application. This card also offers up to 62 interest-free days on purchases, more than the standard 44 or 55 days most cards offer. If you're interested in this card, compare it to other low rate credit cards to help you find one that works for you.

Benefits of banking with a People's Choice Credit Union credit card

If you decide to get a credit card with People's Choice Credit Union, some of the key benefits you'll get include:

• 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 for a People's Choice Credit Union credit card

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 visit 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.

Frequently asked questions

Here, you'll find answers to commonly asked questions about People's Choice Credit Union credit cards. If you have any other questions, get in touch using the contact box below.

• How long does it take to complete the online application?

  Applying for a People's Choice Credit Union 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's Choice Credit Union 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's Choice Credit Union home loan that is drawn down or has a line of credit in use.
  • You have a One to One or Financial Planning relationship with People's Choice Credit Union.

• How can I cancel my credit card

  People's Choice Credit Union credit cards can be cancelled by filling in a form on the credit union's website. This is the same form you would use if you wanted to request a credit limit decrease.

  Alternatively, you can visit a People's Choice Credit Union 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.