People’s Choice Credit Union Credit Cards

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The People’s credit card from People’s Choice Credit Union

The origins of People’s Choice Credit Union date back to 1949, but its actual formation was a result of the merger of Savings & Loans and Australian Central in 2009. This credit union has more than 1,100 employees, over 345,000 members, and around $8 billion in funds under management. It has 50 branches and six advice centres spread across Australia, in ACT, Victoria, South Australia, Western Australia, and the Northern Territory. It offers its members an array of financial services and products, which include loans of different types, transaction and savings accounts, credit cards, insurance solutions and more.

Comparison of People's Choice Credit Union Credit Cards

Rates last updated June 25th, 2017
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
People's Choice Credit Union Visa Credit Card
Receive up to 62 days interest-free on purchases and the ability to use Android Pay or Apple Pay.
2.99% p.a. for 6 months (reverts to 15.75% p.a.)
2.99% p.a. for 6 months
$59 p.a.

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Types of credit cards that People’s Choice Credit Union offers

If you’re looking for a high-end or rewards credit card, People’s Choice Credit Union does not have much to offer. What it does offer is a low rate Visa credit card.

  • Low rate credit cards

    A low rate credit card, owing to its low interest rate, can help you save while still offering you a convenient way to access credit. The People's Choice Credit Union Visa Credit Card, in addition to its low ongoing rate, comes with a low introductory rate of 2.99% p.a. for the first 6 months. This introductory rate applies to purchases, balance transfers and cash advances. This card gives you up to 62 interest-free days on purchases, more than the standard 44 or 55 days most cards offer. A nominal annual fee applies to this card account.

Learn more about Low Rate Credit Cards

Benefits of banking with People's Choice Credit Union

As with other credit unions, People's Choice Credit Union does not have shareholders eating into its profits, and this enables it to offer members competitive interest rates and low fees. Getting a credit card through this credit union comes with particular benefits.

  • Access funds anywhere, anytime

    Millions of merchants the world over accept Visa credit cards, so you can look forward to using your People's Choice Credit Union credit card wherever you go. While you can use this card at brick-and-mortar establishments, you can also use it for shopping online and over the phone. You can turn to any ATM that displays the Visa logo for withdrawing cash, but just keep in mind cash advance charges will apply.

  • Secure shopping

    The People's Choice Credit Union Visa card you receive makes use of a smart chip that provides increased protection against card skimming, counterfeiting, and other means of fraudulent use. When used to shop online, Verified by Visa works in assessing the risk of each transaction based on multiple factors, and if it detects anything suspicious you have to enter certain personal details as a safeguard.

  • Visa benefits

    This card is payWave enabled so you can use it to make contactless purchases when the transaction is under $100. Through Visa Entertainment, you get access to a number of exclusive offers, which include presale tickets to musical, cultural, entertainment and sporting events. Cardholders also get access to V.me by Visa, a digital wallet service. This service offers a flexible and secure way to make online payments, allowing you to use multiple cards through a single account. This can help save time as well as effort.

  • Pay using your phone

    Keeping up with technological changes, the People's Choice Credit Union Visa Credit Card enables you to make payments using your Android phone. Once you install the People's Choice redi2PAY app on your Android phone you can use it to make in-store payments under $100. You use your phone like you use your payWave card, at any payWave terminal. After you download the app you have to register, but registration and usage of the app is free.

How to apply for a People's Choice Credit Union credit card

To apply, you can visit a People's Choice Credit Union branch, or speak to a People's Choice Credit Union rep over the phone. You can complete and submit your application online, and to get started click on the ‘Go to Site’ button next to the card’s description. Before you begin, make sure you meet the following application criteria.

  • You’re at least 18 years of age
  • You’re a permanent Australian resident or an Australian citizen
  • You’re in paid employment
  • You agree to a credit check
  • You’ve not been bankrupt or had any judgments in the last five years

Required documents

  • Personal. This includes your name, contact details, marital status, number of dependants and your date of birth.
  • Employment. This includes your employment status, job title, employer’s name, employer’s address and your employer’s phone number.
  • Financial. You have to provide details about income from all sources along with details of your expenses. You also have to provide details of existing loans, credit cards, store cards, and overdrafts.

What happens next?

After you submit your application, a People's Choice Credit Union representative might contact you for additional information. An income verification call may be made to your employer, and if you let your payroll department know of this call ahead of time you can help quicken the process. If you’re not an existing People's Choice Credit Union member you’ll have to become one in order to receive your People's Choice Credit Union credit card. New members have to complete a legally required identity check process.

Frequently asked questions

You can find answers to commonly asked questions about People's Choice Credit Union credit cards below, and if your question isn't listed you can use the form at the end of this page to ask.

You can complete your People's Choice Credit Union credit card application in around 10 minutes, provided you have all the required information close at hand. You can save your application at any stage and retrieve it later.
You can make repayments by visiting any People's Choice Credit Union branch, or you can mail a cheque to the address mentioned in your credit card statement. You can set up automatic payments using a savings or transaction account, and you can select a preset amount, choose to pay the entire balance, or pay just the minimum monthly payment. You can also pay via online and phone banking.
To order a replacement card you have to call People's Choice Credit Union or drop into your closest branch.
You can look forward to an annual credit card fee waiver if you have an existing People's Choice Credit Union home loan package, or if you have a Financial Planning or One to One relationship with this credit union.
The minimum credit limit of the People's Choice Credit Union Visa Credit Card is $1,000. You can request an increase in your card’s limit after using it for some time, but you have to meet certain credit criteria for approval.
You can register for this service by logging in to People's Choice Credit Union’s internet banking platform.
To report a lost or stolen card during business hours you should call People's Choice Credit Union directly. Outside business hours you should call the 24-hour Visa hotline, and in this case you’ll still have to contact People's Choice Credit Union to request for a replacement card.
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