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.
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.
Eligibility
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.
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:
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.
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 or line of credit.
You have a One to One or Financial Planning relationship with People's Choice Credit Union.
People's Choice Credit Union credit cards can be cancelled by filling in a form on the credit union's website.
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.
As a credit union, People's Choice is owned by its members, with each person who becomes a customer investing in a share of the organisation. It is 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.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio
Amy's expertise
Amy has written 588 Finder guides across topics including:
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.
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%.
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Do the Credit Union charge overseas transaction fees on either the credit or debit card?
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!