People's Choice Low Rate Visa Credit Card

On People's Choice Credit Union's website

People's Choice Low Rate Visa Credit Card

Balance transfer

6 months at 2.99% p.a.

Purchase rate

6 months at 2.99% p.a.

Interest-free days

62 days

Annual fee

$59.00 p.a. ongoing

Highlights

  • Avail a special rate of 2.99% per annum for 6 months on balance transfers.
  • Take advantage of a 2.99% per annum rate for 6 months on purchases.
  • Get up to 62 days with no interest charges on purchases.

Pros and cons

Pros

  • 2.99% p.a. for 6 months on balance transfers, purchases and cash advances (reverts to 12.95% p.a. thereafter).
  • 62 days interest-free days on purchases, which is among the longest.
  • Supports Apple Pay, Google Pay, and Samsung Pay.

Cons

  • No rewards program or travel benefits.
  • Relatively high annual fee for a low rate credit card (but this may be waived if eligible).

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
Yes
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
0
Additional Card Fee Ongoing
N/A

Credit limits

Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 62 days on purchases
Minimum Repayment Percentage
3%

Balance transfers

Balance transfer offer

Balance Transfer Rate
2.99%
Balance Transfer Period
6 months
Balance Transfer Fee Percentage
0%

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
100%
Balance Transfer Revert Rate
12.95%

Rates, fees, charges

Cash advances

Cash Advance Rate
12.95% p.a.
Cash Advance Fee
$5.00
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
2.99%
Purchase Rate Introductory Period
6 months
Purchase Rate Ongoing
12.95% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$59.00
Dishonour Fee
$5.00
Duplicate Statement Fee
$10.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$25.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

account

Reviewed by Credit Card Compare Staff

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    I saved alot of money with this card

    Reviewed by Cynthia

    Very happy with my card

    Reviewed by Gail

    Not too bad

    Reviewed by Wesley

    Ease to use and secure

    Reviewed by Donna

    Not really comfortable using it

    Reviewed by Debbie

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