Police Credit Union extralite Credit Card

Get a $0 annual fee and a low ongoing interest rate for purchases and cash advances.

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.

13.99% p.a.

Purchase rate

$0 p.a.

Annual fee

44 days

Interest free period

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Product NamePolice Credit Union Extralite Credit Card
Purchase rate13.99% p.a.
Annual fee$0
Interest-free periodUp to 44 days on purchases
Cash advance rate13.99% p.a.
Min credit limit$1,000
Max credit limit$50,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • No monthly or annual fees
  • Low 13.99% p.a. interest rate on purchases


  • Only offers up 44 days interest-free, compared to other cards that offer up to 55 days
Bonus pointsN/A
Annual fee$0
Minimum monthly repayment3% of the closing balance or $20, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee$4
Overseas cash advance fee$4

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 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.

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.

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.

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.

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