Finder makes money from featured partners, but editorial opinions are our own.

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

No monthly or annual fees
Low 13.99% p.a. interest rate on purchases
Protected by Guardian Fraud Protection Service

Cons

Only offers up 44 days interest-free, compared to other cards that offer up to 55 days
Charges a 3% foreign transaction fee
Doesn't provide any rewards on your spending

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.

Details

Product details

Product Name	Police Credit Union Extralite Credit Card
Purchase rate p.a.	13.99%
Interest-free period	Up to 44 days on purchases
Cash advance rate p.a.	13.99%
Min credit limit	$1,000
Max credit limit	$50,000
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

How to apply

You can apply for the Police Credit Union extralite Credit Card online by filling in a secure application form. Alternatively, you can call the team on 1300 131 844. Before you get started, make sure you meet the eligibility requirements and have the required documents on hand:

Eligibility criteria

Residency. You must be a permanent Australian resident or citizen.
Credit history. You must not have a history of bankruptcy or legal proceedings against you.
Age. You must be at least 18 years of age.

Required documents

Make sure you have the following information when you apply for the Police Credit Union extralite Credit Card:

Identification. You must become a member of the credit union when you apply for the Visa credit card. You can complete this step online using your driver's licence, passport or Medicare card.
Income and assets. List information about your income, your employer and any income generating assets such as savings or investment accounts. You can apply for this account if you're working casual, full time, part time or if you're self employed.
Expenses and liabilities. Provide details about your ongoing monthly expenses, liabilities and information about other credit cards if you want to carry out a balance transfer.

Card benefits

$0 annual fee. The Police Credit Union extralite Credit Card charges no annual fee for life.
Contactless payments. Make contactless payments for purchases under $100 at the checkout. You can also link your card with Apple Pay, Google Pay or Samsung Pay to make contactless payments using your smartphone or compatible device.

Interest-free days. This card offers up to 44 days interest-free on purchases when you pay your statement balance in full by the due date.
Fraud protection. The Guardian Fraud Protection Service monitors your account for suspicious transactions and can help you recover lost funds if you experience credit card fraud. You also get a money back guarantee, which means you will be reimbursed for unauthorised credit card purchases that are detected on your account.

Rates & fees

Interest rate. This card charges an ongoing interest rate of 13.99% p.a., which applies to both purchases and cash advances.
Overseas transaction fee. If you use this card for purchases made in a foreign currency, a fee worth 3% of the transaction will apply. This includes foreign currency transactions made online.

Minimum credit limit. This low rate credit card features a minimum credit limit of $1,000. Note that your actual credit limit is determined based on the lending criteria, and may be different to this amount.

Your reviews

No reviews yet. Write a review

Ask a question

To ask a question simply log in via your email or create an account.

Ask a question

Sally Finder

Producer

Hi there, looking for more information? Ask us a question.

You are about to post a question on finder.com.au:

Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
finder.com.au is a financial comparison and information service, not a bank or product provider
We cannot provide you with personal advice or recommendations
Your answer might already be waiting – check previous questions below to see if yours has already been asked

Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Sally McMullen was a creative content producer at Finder. Sally wrote 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. See full profile

Police Credit Union extralite Credit Card

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Your reviews

Important information about this website

Advertiser Disclosure

How we make money

Sorting and Ranking Products

Terms of Service and Privacy Policy