Newcastle Permanent Credit Cards

Compare Newcastle Permanent credit cards' features, rates, and fees. Make an informed decision before applying.

By   |   Updated 6 Mar 2024

As seen on

Media - The Sydney Morning Herald
Media - Yahoo Finance
Media - News.com.au
Media - Daily Mail Australia
Media - Australian Fintech
Media - Dynamic Business

Comparing Newcastle Permanent credit cards

Newcastle Permanent Value+ Credit Card

On website

Highlights

  • Obtain a low-interest rate of 11.99% p.a. on purchases, cash advances, and balance transfers.
  • Enjoy up to 55 days interest-free on purchases.
  • Add up to 3 additional cards at no extra cost.

Pros

  • Low annual fee.
  • Competitive low interest rate.
  • Enjoy up to 55 days interest-free on purchases.
  • Get up to 3 additional cards at no extra cost.

Cons

  • There is a foreign currency conversion fee of 3%.
  • Doesn't have an interest-free balance transfer offer.

Newcastle Permanent offers a range of credit cards that cater to different needs and preferences. Whether you're looking for a low rate card, rewards card, or a card with added perks, Newcastle Permanent has options that may suit your requirements. In this article, we'll delve into the details of Newcastle Permanent credit cards, including their benefits, fees, application process, and more.

Benefits of Newcastle Permanent Credit Cards

Newcastle Permanent credit cards come with various benefits that can enhance your financial experience. Some of the key advantages of these cards may include:

  • Reward programs for earning points on purchases
  • Competitive interest rates for budget-conscious individuals
  • Complimentary insurance coverage for travel or purchases
  • Contactless payment options for convenience and security

By understanding the benefits offered by Newcastle Permanent credit cards, you can choose a card that aligns with your spending habits and financial goals.

Fees and Charges

Before applying for a Newcastle Permanent credit card, it's essential to be aware of the fees and charges associated with the card. Some common fees that may apply include:

  • Annual fees
  • Late payment fees
  • Cash advance fees
  • Foreign transaction fees

Understanding these fees can help you budget effectively and avoid unnecessary expenses while using your credit card.

How to Apply for a Newcastle Permanent Credit Card

The process of applying for a Newcastle Permanent credit card is straightforward. Here are the general steps you may need to follow:

  1. Visit the Newcastle Permanent website or a branch to explore the available credit card options.
  2. Choose a credit card that suits your needs and preferences.
  3. Complete the online application form or submit the required documents in person.
  4. Wait for approval, which may take a few business days.
  5. Once approved, activate your card and start using it for purchases.

By following these steps, you can easily apply for a Newcastle Permanent credit card and enjoy its benefits.

Additional Details

Apart from the key features mentioned above, Newcastle Permanent credit cards offer several additional details that make them a desirable choice for many cardholders. Some of these details include:

  • Zero liability policy for unauthorized transactions
  • Additional perks such as complimentary airport lounge access
  • Special promotional offers for new cardholders
  • Easy access to ATM transactions for added convenience

Considering these additional details can help you make an informed decision when choosing a Newcastle Permanent credit card.

Help choosing a Newcastle Permanent credit card

Access personalized assistance in selecting the optimal Newcastle Permanent credit card that suits your financial goals and lifestyle preferences.

  • FAQs

What types of credit cards does Newcastle Permanent offer?

Newcastle Permanent provides various credit card options tailored to different financial needs, including low-rate credit cards for those seeking to minimize interest expenses and rewards credit cards for customers interested in earning points on their purchases.

How can I earn rewards with a Newcastle Permanent credit card?

To earn rewards with a Newcastle Permanent credit card, simply use your card for eligible purchases. Points earned can then be redeemed for a variety of rewards, such as merchandise, travel, or gift cards, depending on the specifics of your card's rewards program.

What is the interest rate on Newcastle Permanent credit cards?

Interest rates on Newcastle Permanent credit cards vary by card type, reflecting the card's benefits and intended use. To find the most current rates, it's recommended to visit the Newcastle Permanent website or contact their customer service.

Are there any annual fees associated with Newcastle Permanent credit cards?

Annual fees for Newcastle Permanent credit cards differ based on the card you choose. Some cards may offer no annual fee, while others have a fee that corresponds to the benefits provided. For detailed information, please refer to the Newcastle Permanent website.

How can I check my credit card balance online?

To check your credit card balance online, log into Newcastle Permanent's internet banking or mobile app with your account credentials. This service allows you to view balances, transactions, and access statements easily.

What should I do if my credit card is lost or stolen?

If your credit card is lost or stolen, you should immediately report it to Newcastle Permanent by calling their 24/7 customer service line. They will secure your account by blocking the card and assist you with the process of issuing a replacement.

Can I apply for a credit limit increase on my Newcastle Permanent credit card?

For a credit limit increase on your Newcastle Permanent credit card, you can apply through their internet banking service, by contacting customer service, or in person at a branch. Approval for an increase will depend on an assessment of your financial circumstances and creditworthiness.