In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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People’s Choice Credit Union Visa Credit Card

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People's Choice Credit Union Visa Credit Card
Terms and conditions apply
Balance transfer rate for 6 months with no balance transfer fee
2.99% p.a.
Purchase rate for the first 6 months (reverts to 12.95%)
2.99% p.a.
Annual fee
$59 p.a.
Interest-free on purchases
Up to 62 days

Our verdict

Offers a low introductory rate of 2.99% p.a. for 6 months, but the variable rate that applies after that depends on your application.

The People’s Choice Credit Union Visa Credit Card offers simple and relatively low-cost features. It is one of the only credit cards that has different ongoing variable interest rates, charging either 15.75% p.a. or 12.95% p.a. based on your application and financial situation. Both these rates are lower than the average credit card interest rate in Australia, which is around 20%. But as the exact rate is only confirmed after you apply, make sure you factor both into your comparison.

Pros

  • Introductory 2.99% p.a. interest rate for purchases, cash advances and balance transfers in the first 6 months.
  • Competitive $59 annual fee.
  • Works with Apple Pay, Google Pay and Samsung Pay digital wallets.

Cons

  • The variable interest rate of either 15.75% p.a. or 12.95% p.a. depends on your application, so you won't know until after you apply.
  • No rewards or perks like complimentary insurance.

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The People’s Choice Credit Union Visa Credit Card has a $59 annual fee that's competitive with other no-frills cards. It also offers up to 62 days interest-free on purchases when you pay your balance in full by the statement due date, which is one of the longer interest-free day periods on the market. But if you only pay off some of your balance each month, interest charges will add up faster if you're offered the higher, 15.75% p.a. variable rate on this card.

Details

Product details

Product Name People's Choice Credit Union Visa Credit Card
Balance transfer rate p.a. 2.99% for 6 months, then 12.95%
Purchase rate p.a.
Purchase rate p.a.
2.99% for 6 months, then 12.95%
Interest-free period
Up to 62 days on purchases
Cash advance rate p.a. 12.95%
Min credit limit $1,000
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee
Annual fee
$59
Minimum monthly repayment 3% of the closing balance or $10, whichever is greater
Late payment fee $0
Foreign currency conversion fee
Foreign currency conversion fee
3%
Cash advance fee $5
Overseas cash advance fee $5
Overseas ATM withdrawal fee $5

How to apply

You can apply for the People's Choice Credit Union Visa Credit Card online by completing a secure application on the People's Choice website. To get started, check that you meet the eligibility criteria and have the information you'll need to complete the application.

Eligibility criteria

  • Income. You must currently be in paid employment and be able to service the minimum credit limit of $1,000.
  • Residency. This card is only available to permanent Australian residents or Australian citizens.

Card benefits

  • Low introductory interest rate. The People's Choice Credit Union Visa Credit Card has a low introductory rate of 2.99% p.a. for purchases, balance transfers and cash advances for the first 6 months. After this, all transactions and balances on the card attract the standard interest rate.
  • Mobile wallet. You can link your card with Apple Pay, Samsung Pay or Google Pay to use your eligible smartphone or wearable device to make contactless payments at the checkout.

Rates & fees

  • Annual fee. This card has an annual fee of $59. This fee is waived if you have a People's Choice home loan package, use the services of a People's Choice financial planner or if you're under 25 years of age and have a People's Choice Active Account.
  • Variable interest rate. The People's Choice Credit Union Visa Credit Card has a variable interest rate of 12.95% p.a. or 15.75% p.a., which is determined based on the details provided in your application. If you're approved, the interest rate for your card is confirmed on your loan contract.

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Amy Finder

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