People’s Choice Credit Union Credit Cards

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The People’s credit card from People’s Choice Credit Union

The origins of People’s Choice Credit Union date back to 1949, but its actual formation was a result of the merger of Savings & Loans and Australian Central in 2009. This credit union has more than 1,100 employees, over 345,000 members, and around $8 billion in funds under management. It has 50 branches and six advice centres spread across Australia, in ACT, Victoria, South Australia, Western Australia, and the Northern Territory. It offers its members an array of financial services and products, which include loans of different types, transaction and savings accounts, credit cards, insurance solutions and more.

Comparison of People's Choice Credit Union Credit Cards

Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
People's Choice Credit Union Visa Credit Card
No application fees and up to 62 days interest free on purchases.
2.99% p.a. for 6 months (reverts to 15.75% p.a.) 2.99% p.a. for 6 months $59 p.a. More info

Types of credit cards that People’s Choice Credit Union offers

If you’re looking for a high-end or rewards credit card, People’s Choice Credit Union does not have much to offer. What it does offer is a low rate Visa credit card.

  • Low rate credit cards

    A low rate credit card, owing to its low interest rate, can help you save while still offering you a convenient way to access credit. The People’s Choice Credit Union Visa Credit Card, in addition to its low ongoing rate, comes with a low introductory rate of 2.99% p.a. for the first 6 months. This introductory rate applies to purchases, balance transfers and cash advances. This card gives you up to 62 interest-free days on purchases, more than the standard 44 or 55 days most cards offer. A nominal annual fee applies to this card account.

Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
People's Choice Credit Union Visa Credit Card
No application fees and up to 62 days interest free on purchases.
2.99% p.a. for 6 months (reverts to 15.75% p.a.) 2.99% p.a. for 6 months $59 p.a. Up to 62 days on purchases More info
Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Up to 55 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
Newcastle Permanent Value+ Credit Card
Enjoy a competitive annual fee and interest rates on purchases, cash advances, and balance transfers.
11.49% p.a. $49 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
Learn more about Low Rate Credit Cards
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Benefits of banking with People’s Choice Credit Union

As with other credit unions, People’s Choice Credit Union does not have shareholders eating into its profits, and this enables it to offer members competitive interest rates and low fees. Getting a credit card through this credit union comes with particular benefits.

  • Access funds anywhere, anytime

    Millions of merchants the world over accept Visa credit cards, so you can look forward to using your People’s Choice Credit Union credit card wherever you go. While you can use this card at brick-and-mortar establishments, you can also use it for shopping online and over the phone. You can turn to any ATM that displays the Visa logo for withdrawing cash, but just keep in mind cash advance charges will apply.

  • Secure shopping

    The People’s Choice Credit Union Visa card you receive makes use of a smart chip that provides increased protection against card skimming, counterfeiting, and other means of fraudulent use. When used to shop online, Verified by Visa works in assessing the risk of each transaction based on multiple factors, and if it detects anything suspicious you have to enter certain personal details as a safeguard.

  • Visa benefits

    This card is payWave enabled so you can use it to make contactless purchases when the transaction is under $100. Through Visa Entertainment, you get access to a number of exclusive offers, which include presale tickets to musical, cultural, entertainment and sporting events. Cardholders also get access to V.me by Visa, a digital wallet service. This service offers a flexible and secure way to make online payments, allowing you to use multiple cards through a single account. This can help save time as well as effort.

  • Pay using your phone

    Keeping up with technological changes, the People’s Choice Credit Union Visa Credit Card enables you to make payments using your Android phone. Once you install the People’s Choice redi2PAY app on your Android phone you can use it to make in-store payments under $100. You use your phone like you use your payWave card, at any payWave terminal. After you download the app you have to register, but registration and usage of the app is free.

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How to apply for a People’s Choice Credit Union credit card

To apply, you can visit a People’s Choice Credit Union branch, or speak to a People’s Choice Credit Union rep over the phone. You can complete and submit your application online, and to get started click on the ‘Go to Site’ button next to the card’s description. Before you begin, make sure you meet the following application criteria.

  • You’re at least 18 years of age
  • You’re a permanent Australian resident or an Australian citizen
  • You’re in paid employment
  • You agree to a credit check
  • You’ve not been bankrupt or had any judgments in the last five years

Information needed for a People’s Choice Credit Union credit card application 

  • Personal - This includes your name, contact details, marital status, number of dependants and your date of birth.
  • Employment - This includes your employment status, job title, employer’s name, employer’s address and your employer’s phone number.
  • Financial - You have to provide details about income from all sources along with details of your expenses. You also have to provide details of existing loans, credit cards, store cards, and overdrafts.

What happens next?

After you submit your application, a People’s Choice Credit Union representative might contact you for additional information. An income verification call may be made to your employer, and if you let your payroll department know of this call ahead of time you can help quicken the process. If you’re not an existing People’s Choice Credit Union member you’ll have to become one in order to receive your People’s Choice Credit Union credit card. New members have to complete a legally required identity check process.

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Frequently asked questions

You can find answers to commonly asked questions about People’s Choice Credit Union credit cards below, and if your question isn’t listed you can use the form at the end of this page to ask.

How long does it take to complete the online application?

You can complete your People’s Choice Credit Union credit card application in around 10 minutes, provided you have all the required information close at hand. You can save your application at any stage and retrieve it later.

How can I make repayments?

You can make repayments by visiting any People’s Choice Credit Union branch, or you can mail a cheque to the address mentioned in your credit card statement. You can set up automatic payments using a savings or transaction account, and you can select a preset amount, choose to pay the entire balance, or pay just the minimum monthly payment. You can also pay via online and phone banking.

How do I get a replacement card?

To order a replacement card you have to call People’s Choice Credit Union or drop into your closest branch.

Can I get an annual fee waiver under any circumstance?

You can look forward to an annual credit card fee waiver if you have an existing People’s Choice Credit Union home loan package, or if you have a Financial Planning or One to One relationship with this credit union.

What is the minimum credit limit, and can I ask for an increase?

The minimum credit limit of the People’s Choice Credit Union Visa Credit Card is $1,000. You can request an increase in your card’s limit after using it for some time, but you have to meet certain credit criteria for approval.

How can I register for V.me by Visa?

You can register for this service by logging in to People’s Choice Credit Union’s internet banking platform.

How should I do if I lose my card?

To report a lost or stolen card during business hours you should call People’s Choice Credit Union directly. Outside business hours you should call the 24-hour Visa hotline, and in this case you’ll still have to contact People’s Choice Credit Union to request for a replacement card.
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Credit Cards Comparison

Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

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