What is the minimum credit limit for a Police Credit Union credit card?

The Police Credit Union Extralite Visa Credit Card has a minimum credit limit of $1,000. You can apply for a different credit limit, but keep in mind that the credit limit you're offered is determined based on the lending criteria. If you want to request a higher or lower credit limit, call Police Credit Union on 1300 131 844, email pcu@policecu.com.au or visit a branch.

How can I cancel my card?

If you want to close your Police Credit Union credit card account, you can use any of the following options: Download and complete a request form from the Police Credit Union website Call 1300 131 844 Visit a branch Email at pcu@policecu.com.au You can also contact the credit union in writing by fax (08 8208 5660) or by post (Reply Paid PO Box 6074, Halifax Street PO, ADELAIDE SA 5000)

What should I do if I lose my card?

If your card is lost or stolen, report it straight away by calling Police Credit Union on 1300 131 844 from Australia. If you're overseas, call the Visa Hotline on +61 2 8299 9101 to report your card as lost or stolen.

Police Credit Union Credit Cards Comparison

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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

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. 14.24%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0	View details Compare product selectionCompare	loading

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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 for a Police 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 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

The Police Credit Union Extralite Visa Credit Card has a minimum credit limit of $1,000. You can apply for a different credit limit, but keep in mind that the credit limit you're offered is determined based on the lending criteria.
If you want to request a higher or lower credit limit, call Police Credit Union on 1300 131 844, email pcu@policecu.com.au or visit a branch.
If you want to close your Police Credit Union credit card account, you can use any of the following options:
- Download and complete a request form from the Police Credit Union website
- Call 1300 131 844
- Visit a branch
- Email at pcu@policecu.com.au
You can also contact the credit union in writing by fax (08 8208 5660) or by post (Reply Paid PO Box 6074, Halifax Street PO, ADELAIDE SA 5000)

Compare other products from Police Credit Union

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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

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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.