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.
Finder makes money from featured partners, but editorial opinions are our own.
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.
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.
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. | 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 | $59 |
| Minimum monthly repayment | 3% of the closing balance or $10, whichever is greater |
| Late payment fee | $0 |
| Foreign currency conversion fee | 3% |
| Cash advance fee | $5 |
| Overseas cash advance fee | $5 |
| Overseas ATM withdrawal fee | $5 |
Your reviews
No reviews yet.
Write a review
Amy Finder
Editor
Hi there, looking for more information? Ask us a question.
You are about to post a question on finder.com.au:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com.au is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.
More resources on Finder
Card types
Cards from