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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

Police Credit Union is a member-owned financial institution that's been operating for over 50 years. It has a focus on police, healthcare professionals and emergency service workers but anyone can become a member. It offers one credit card, the Police Credit Union Extralite Visa, which has a low interest rate, no annual fee and mobile payments through Apple Pay, Google Pay and Samsung Pay.

Compare Police Credit Union Credit Cards

Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Police Credit Union Extralite Credit Card
Purchase rate p.a.
Bonus points
Points per $ spent
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
Annual fee
More Info
Receive up to 44 days interest-free on purchases and the security of the Guardian Fraud Protection Service.

Types of credit cards from Police Credit Union

  • Low rate credit card

The Police Credit Union Extralite Visa 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. Unlike some other low rate credit cards, it also offers no annual fee ever.

Benefits of getting a credit card with Police Credit Union

  • 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 and 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.

  • 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

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.

Credit card brands similar to Police Credit Union

If you want a credit card from a member-owned bank or one that's focused on police and essential service workers, here are 3 other credit card providers you could compare with Police Credit Union:

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

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