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Police Credit Union Credit Cards

Police Credit Union offers a low-cost credit card anyone can apply for – here's what you need to know.


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Police Credit Union

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Police Credit Union has one credit card option you can apply for: the extralite Visa. This credit card offers a low interest rate, no annual fee and mobile payments through Apple Pay, Google Pay and Samsung Pay. You can learn more about this credit card and what it's like to bank with Police Credit Union here.

Comparison of Police Credit Union credit cards

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Police Credit Union Extralite Credit Card
13.99% p.a.
Up to 44 days on purchases
Receive up to 44 days interest-free on purchases and the security of the Guardian Fraud Protection Service.

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Types of Police Credit Union credit cards

  • Low rate credit cards

    The Police Credit Union extralite is a low rate credit card that has a 13.99% p.a. interest rate for purchases and cash advances. It also offers interest-free days on purchases if you pay your balance in full by the due date on each statement, worldwide acceptance through the Visa payment network and fraud protection.

Learn more about Low Rate Credit Cards

Benefits of banking with Police Credit Union

If you're interested in getting a Police Credit Union credit card, some of the key features you'll get include:

  • Global access

You can use this Visa credit card to make payments all around the world, wherever you see the Visa logo. This includes when you're shopping in person, online or when you're making payments over the phone. You can also tap this card to pay at the checkout, with no need to enter a PIN for purchases under $100. If you want to know more about contactless payments, this guide is a good place to start.

  • Digital wallets

You can add a Police Credit Union credit card to Apple Pay, Google Pay or Samsung Pay and make contactless payments straight from your smartphone or other compatible devices.

  • Visa Offers + Perks

As a Visa credit card, the Police Credit Union extralite gives you access to exclusive deals on shopping, dining, entertainment and travel through Visa Offers + Perks. All you need to do is visit the Visa website, find offers that you're interested in and follow the steps to claim them.

  • Security

Police Credit Union offers a Guardian Fraud Protection Service that helps identify fraud and high-risk transactions – and takes action to recover any funds taken through fraud. It also monitors fraud trends to stay on top of the latest risks. This service also gives you access to a Guardian Money Back Guarantee, which offers cover if your card is used for fraud, as long as you notify the credit union of the fraud as soon as possible. Alongside these benefits, you'll get an extra level of verification online through one-time passwords and Visa Secure.

How to apply for a Police Credit Union credit card

You can apply for a Police Credit Union credit card online by filling in a secure application form. You can also download an application form that can be submitted in a branch, by email (, by fax (08 8208 5660) or by post (Reply Paid PO Box 6074, Halifax Street PO, ADELAIDE SA 5000). Alternatively, you can request a callback from Police Credit Union when you apply through the website.

Before you apply, make sure you meet the eligibility criteria and have all the documents and details you'll need to complete the application.

Eligibility criteria

  • Australian residency status. You need to be a permanent resident of Australia to complete the online application. If you're not a permanent resident, you can discuss your options by calling Police Credit Union on 1300 131 844 in Australia, or +61 8 8208 5761 if you're outside Australia.
  • Credit history. You should not have ever been bankrupt or had any legal proceedings against you.
  • Age. You must be at least 18 years of age.

Documents and details

  • Personal details. This includes your full name, date of birth, marital status, number of dependents and your contact details. You also need to provide a valid form of ID, such as your driver's licence or passport.
  • Employment details. As well as your salary, you'll need to provide details of your profession, length of employment and your employer's contact details. You may also need to provide recent payslips to help verify these details.
  • Financial details. This includes any other forms of income, savings and other assets, as well as existing debts, credit cards and other liabilities. You also need to estimate your share of regular household expenses such as rent or mortgage payments, groceries and utility bills.

If you have any questions about the application process, you can call Police Credit Union on 1300 131 844, email or visit a branch.

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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Qantas American Express Premium Card
20.74% p.a.
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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