People’s Choice Credit Union Credit Cards

Compare People's Choice Credit Union Credit Cards

Updated regularly

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 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	Get up to 62 days interest-free on purchases and make mobile payments with Apple Pay, Google Pay and Samsung Pay.	ContinueMore info Compare product selection Compare	loading

loading

Compare other products

We currently don't have that product, but here are others to consider:

How we picked these

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 for a People's Choice Credit Union 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'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:

• Bank Australia credit cards
• Community First credit cards
• Heritage Bank credit cards

Frequently asked questions

• 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 or line of credit.
  • 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.

  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.

• Who owns People's Choice Credit Union?

  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.

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

Amy's expertise

Amy has written 505 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability