The Police Credit Union extralite Credit Card has a 13.99% p.a. interest rate and offers up to 44 days interest-free on purchases. You can learn more about this card's costs, features and benefits and find out how to apply below.
Police Credit Union extralite Credit Card
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- Purchase rate
- 13.99% p.a.
- Annual fee
- $0 p.a.
- Interest-free on purchases
- Up to 44 days
Our verdict
Get a $0 annual fee and a low ongoing interest rate for purchases and cash advances.
The Police Credit Union extralite is a no annual fee credit card that also offers an ongoing interest rate of 13.99% p.a., which is competitive with other low rate credit cards. It also offers up to 44 days interest-free on purchases if you pay the account's closing balance in full by the due date on your statement.
As a Visa credit card, you can use the Police Credit Union extralite to make purchases in-store, online or over the phone all around the world (wherever Visa is accepted). You also get the benefit of the Guardian Fraud Protection Service, which includes fraud-monitoring and a money back guarantee against fraudulent transactions.
Pros
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No monthly or annual fees
-
Low 13.99% p.a. interest rate on purchases
-
Protected by Guardian Fraud Protection Service
Cons
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Only offers up 44 days interest-free, compared to other cards that offer up to 55 days
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Charges a 3% foreign transaction fee
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Doesn't provide any rewards on your spending
Details
Product details
| Product Name | Police Credit Union Extralite Credit Card |
| Purchase rate p.a. | Purchase rate p.a.13.99% |
| Interest-free days | Up to 44 days on purchases |
| Cash advance rate p.a. | 13.99% |
| Min credit limit | $1,000 |
| Max credit limit | $10,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
| Joint application | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | $0 |
| Minimum monthly repayment | 3% of the closing balance or $20, whichever is greater |
| Late payment fee | $15 |
| Foreign currency conversion fee | 3% |
| Cash advance fee | $4 |
| Overseas cash advance fee | $4 |
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