People’s Choice Credit Union Visa Credit Card

Save with a low annual fee and a promotional 2.99% p.a. interest rate for 6 months.

The People’s Choice Credit Union Visa Credit Card is a low interest rate card that also charges a competitive annual fee, giving you multiple ways to cut your costs. You can save with an introductory rate of 2.99% p.a. on purchases, cash advances and balance transfers for the first 6 months. After this, you’ll be charged a low variable rate of either 15.75% p.a. or 12.95% p.a. depending on your financial situation.

2.99% p.a.

Balance transfer rate

for 6 months

2.99% p.a.

Purchase rate

for the first 6 months (reverts to 12.95% p.a.)

$59 p.a.

Annual fee

62 days

Interest free period

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Product NamePeople's Choice Credit Union Visa Credit Card
Balance transfer rate2.99% p.a. for 6 months
Balance transfer revert ratePurchase Rate (12.95% p.a.)
Purchase rate2.99% p.a. for 6 months, reverts to 12.95% p.a.
Annual fee$59
Interest-free periodUp to 62 days on purchases
Cash advance rate12.95% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • 2.99% p.a. interest rate offer on purchases, cash advances and balance transfers for 6 months
  • Comes with a low annual fee of $59


  • This card doesn't come with a rewards program.
Bonus pointsN/A
Annual fee$59
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$0
Foreign currency conversion fee3%
Cash advance fee$5
Overseas cash advance fee$5
Overseas ATM withdrawal fee$5

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The People’s Choice Credit Union Visa combines a low interest rate with a competitive annual fee. Although you could save with the low introductory rate in the first 6 months, there are many cards that offer 0% on purchases and balance transfers for much longer introductory periods.

How to apply

You can apply for the People's Choice Credit Union Visa card online in 15 to 20 minutes. Before you do, check if you meet the eligibility criteria and have the information you'll need to complete the application.

Eligibility criteria

  • Credit history. You must have a good credit score and not been declared bankrupt in the past five years.
  • Income. You must currently be in paid employment and be able to service the minimum credit limit of $1,000.

Card benefits

  • Low introductory interest rate. You can take advantage of a low introductory rate of 2.99% p.a. across purchases, balance transfers and cash advances for the first 6 months. After this, all transactions will attract the standard interest rate.
  • Mobile wallet. You can link your card with Apple Pay, Samsung Pay or Google Pay to use your eligible smartphone or wearable device to make contactless payments at the checkout.

Rates & fees

  • Low annual fee. This card has an annual fee of $59. People's Choice waives the annual fee if you have a People's Choice home loan package, use the services of a People's Choice financial planner or if you're under 25 years of age and have a People's Choice Active Account.
  • Variable interest rate. The variable interest rate is 12.95% p.a. or 15.75% p.a. People's Choice Credit Union assign one of these variable rates based on the information you provide when you apply for this credit card.

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