People's Choice Credit Union Visa Credit Card

People's Choice Credit Union Visa Credit Card

Card features
balance transfer
purchase rate
annual fee
People's Choice Credit Union Visa Credit Card
2.99% p.a. for 6 months on purchases, then a low 12.95% p.a.
Get 2.99% p.a. on balance transfers for 6 months.
Up to 62 days on purchases interest free and $59 p.a. annual fee.
Add to comparison
6 months
2.99% p.a.
then 12.95%
6 months
2.99% p.a.
then 12.95%

Pros & cons

What's good?

What's not so good?

Up to 62 days on purchases interest free is better than usual.
2.99% p.a. for 6 months on purchases, which reverts to a low 12.95% p.a. rate.
The 12.95% p.a. and is very competitive if you regularly use cash advances.
Minimum credit limit starts at $1,000.
No late payment fee, except if they have to mail you a second reminder.
Comes with Apple Pay, Google Pay and Samsung Pay.
Longer and cheaper balance transfer offers are available in comparison to this one.
Similarly for introductory offers on the purchase rate, there are longer and cheaper offers available elsewhere.
No additional card holders.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

3.8 out of 5.0 based on 5 reviews100% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Not really comfortable using it

Reviewed and recommended by Debbie on 19 Nov 2016

It’s just a tool used to access your money. Use it online and it is supposed to make life easier. I’m not sure this is true because you’re hit with fees and there is always the chance other people maybe able to access your account. I only have a card because this is the way it is now.

Ease to use and secure

Reviewed and recommended by Donna on 02 Aug 2016

This card is easy to use as it has a payWave option and a security chip to protect fraudulent use. The People’s Choice Credit Union alerts you to any unauthorised use, and then blocks the transaction from processing, along with cancelling the card to prohibit any further use from occurring.

Not too bad

Reviewed and recommended by Wesley on 04 Jul 2016

Very cheap and easy to maintain and fees are low. Their customer service is outstanding and they link it to my personal banking account for easy use. It can be used at any ATM with no charge other than the odd $2.50 charge.

I’ve never had issues with them ever and would highly recommend them to anybody.

Very happy with my card

Reviewed and recommended by Gail on 21 Sep 2015

Great card and service, staff are all knowledgeable and friendly. Opening hours include Saturday morning. Online banking is easy and user friendly. Phone banking is a little more difficult to get through, but the staff are really helpful at every stage.

I cannot praise the staff enough, plus it puts people first.

I saved alot of money with this card

Reviewed and recommended by Cynthia on 17 Aug 2015

This was my childhood bank and now I’ve got what I dreamed of. My mother has the same branch as I have. She was a member ever since she opened an account when she first started work at school. I loved the bright red card when I first saw it and I wanted the same as hers.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Rewards program
Temporary residents


Additional cardholders
Additional card fee

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 62 days on purchases
Minimum repayment

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers2.99% p.a.6 monthsNoneN/A12.95% p.a.

Balance transfers to this card

Balance transfer earns rewards
Balance transfer fee payment due
First statement
Balance transfer from personal loan
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the People's Choice Credit Union Visa Credit Card at the promotional balance transfer rate from:

    Rates & fees

    Promotional interest rates

    Interest ratePeriodFeeLimitRevert rate
    Balance transfers2.99% p.a.6 monthsNoneN/A 12.95% p.a.
    Purchases2.99% p.a.6 monthsN/AN/A 12.95% p.a.

    Ongoing interest rates

    Cash advances 1.08% 12.95% p.a.
    Purchases 1.08% 12.95% p.a.


    Annual fee
    $59 p.a.
    Cash advance fee
    Dishonour fee
    Duplicate statement fee
    Foreign exchange fee
    Late payment fee
    Over limit fee
    Overseas ATM balance fee
    Overseas ATM withdrawal fee
    Overseas emergency card replacement fee
    Transaction verification fee

    Minimum criteria for this card

    What you need before applying

    Be over 18 years old
    You are a resident or citizen of Australia
    Have a good credit history
    You have your personal details ready to complete the online application
    Have not applied for multiple credit cards recently
    Joint applications are allowed
    Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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    People are happy
    Rated 4.8 out of 5 for customer satisfaction.
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