BSB 805 050

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BSB 805 050

Visa Credit Card

The People's Choice Credit Union Visa Credit card offers you the flexibility of more interest free days than most other cards. You can use it for anything from day to day purchases to paying bills or even withdrawing cash

Up to

62 days interest free*

Application fee

$0

6 Month (2)

Low Intro Rate

  • A low introductory rate of 2.99% p.a. for the first 6 months - available across all balance transfers, cash advances and purchases2
  • Up to 62 days interest free on purchases*
  • Worldwide acceptance
  • Quick assessment process
  • No application fees
  • Easy balance transfer process
  • The latest in security measures such as microchips, payWave, a free fraud protection service and Verified by Visa for online purchases
  • Competitive interest rates
  • Supported in Apple Pay, Samsung Pay and Google PayTM 

Safe and Secure

Our Visa Credit card has the latest in security measures such as microchips, payWave, a free fraud protection service and Verified by Visa for online purchases. See the FAQs tab for more information on these great security measures.

Visa Exclusives

Exclusive to Visa cardholders is the new digital wallet service, Visa Checkout by Visa; a secure and flexible way to conveniently pay online. Visit the FAQs tab to learn more about Visa Checkout by Visa and how you can sign up.

Additionally, Visa cardholders get access to a range of exclusive entertainment offers, including pre-sale tickets for some of the biggest concerts and live events. Sign up at visaentertainment.com.au

Important Information

It's important for you to look at our Credit Guide if you're thinking about applying for a card to understand how we can help you.

Produce and print a Key Facts Sheet for this Credit Card, or call 13 11 82 or visit your nearest branch to find out more and apply.

A number of regulatory reforms have recently been introduced, click here to view a FAQ on how these reforms may affect you and what People’s Choice has done to address them.

You can use this website to request a reduction in your credit limit to an amount that equals or exceeds the minimum credit limit for your credit card or overdraft or to request to terminate your credit card or overdraft contract.  To do this, please click here to lodge a SecureMail request via Internet Banking. Alternatively, enter the information and follow the instructions on the web form request via this website by clicking here, visit your local branch or contact us on 13 11 82.

  • Annual Visa credit card fee - $59 per account
    • Charged within a month of the account opening and then annually on the anniversary of the account opening month. 
    • This fee is waived if you have an active Home Loan Package, One to One or Financial Planning relationship with us.
  • Fees & Charges Brochure

Visa Credit Cards & Personal Overdraft

Product Name Rate
Classic Visa Credit Card1 15.75% p.a.
Visa Credit Card - Introductory Rate2 2.99% p.a.
Visa Credit Card - Ongoing Rate - either3 12.95% p.a.
or3 15.75% p.a.
Personal Overdraft 15.20% p.a.

A number of regulatory reforms have recently been introduced, click here to view a FAQ on how these reforms may affect you and what People’s Choice has done to address them.

Most popular questions...

More questions...

  • What is Visa Checkout?

    Visa Checkout is a streamlined, secure and flexible way to conveniently shop at your computer or on the go.

    • Streamlined – save time and effort. No need to re-enter your card number or shipping perferences again
    • Secure – pay with confidence. Visa Checkout combines secure technology and valuable features with reliable customer service
    • Flexible – Visa Checkout lets you use any major credit or debit card through a single service

    For more information about Visa Checkout and customer support enquiries please visit the Visa Checkout website.

  • Why have I been charged interest on my credit card?

    You may have been charged interest for the following reasons:

    • A cash advance has been made
    • An electronic transfer has been debited from the account
    • An overseas cash withdrawal was done
    • There was a late payment made to the account
    • The full end of the month balance was not paid.

    To reduce interest charges, try paying more than your minimum repayment each month. The more you pay off your balance, the lest interest you will be charged. If you pay off your whole balance by the due date, you won't be charged any interest at all.

    Interest is calculated on the daily balances but not charged until the last calendar day of the month.

  • What is a cash advance? 

    A cash advance is an option cardholders can use to withdraw cash against their approved credit limit. Receiving a cash advance can simply be a matter of using a credit card at the nearest ATM.

    Please note that there are no interest free days that apply on cash advances, interest charges are incurred from day one. Fees and charges apply to a cash advance. Refer to our Disclosure documents for more details.

  • When will I receive a Visa chip card?

    Members will receive a chip card on renewal of their existing Visa credit or debit card, or if they are replacing an existing Visa credit or debit card for any reason. New Visa debit or credit card holders will receive a chip card on order of their first card. Members who are planning on travelling overseas are encouraged to replace their existing card prior to renewal.

  • Are smart chip Visa cards secure?

    Yes, the smart chip provides a new level of protection against counterfeiting, card skimming and other fraudulent use as the microchip is virtually impossible to copy.

  • How can I request to reduce my credit limit or terminate my credit card or overdraft contract?

    You can use this website to request a reduction in your credit limit to an amount that equals or exceeds the minimum credit limit for your credit card or overdraft or to request to terminate your credit card or overdraft contract.  To do this, please click here to lodge a SecureMail request via Internet Banking. Alternatively, enter the information and follow the instructions on the web form request via this website by clicking here, visit your local branch or contact us on 13 11 82.

  • What is a credit limit?

    A credit limit is the maximum amount that People's Choice Credit Union has approved for you to borrow.

    Credit limits should be carefully monitored to ensure that you do not exceed your designated amount. To ensure that you do not exceed your limit, you may find it helpful to keep a pocket notebook with you to write down your purchases. You can also check balances regularly via Phone Banking or Internet Banking, noting sometimes there may be purchases still to be processed to your account.

    SMS Banking is also available to help you keep in touch with your finances. You can check your accounts whenever and wherever you want simply by using your mobile phone, another way to ensure you don't overspend. Refer to our terms and conditions for more information on SMS Banking.

  • What do I do if my card is lost or stolen?

    If your card is lost or stolen during business hours, call us on 13 11 82 or visit your nearest branch as soon as possible. We can cancel your current card and arrange for a new card to be mailed to you.

    Outside of business hours, call the Visa 24 hour hotline on 1800 648 027. You'll then need to contact us to arrange for a new card to be sent.

    If you're overseas when you lose your card, please contact us on +61 2 8299 9101. If you need to arrange for an emergency Visa card to be issued to you, visit the Visa website to find the contact details for each country.

    There may be a fee for ordering a replacement card. Refer to our Disclosure documents for more details.

Visit us…

Caroline Springs Home Loan Centre

29-35 Lake St
Shop L01 013
Caroline Springs
Caroline Springs 3023

1 This product is no longer on offer for new accounts.
2 2.99% Introductory Rate applies for the first 6 months when the Credit Card is funded from 1 March 2017.  
3 The applicable variable interest rate will be determined by the information you provide and the assessment of your application. The interest rate will be confirmed in your loan contract.
The interest free period applies to purchases only providing that both the closing balance on the statement immediately preceding the purchase is paid in full by the due date and the closing balance of the statement recording the purchase is paid in full by the due date; otherwise interest will apply from the date of the purchase. Our current interest rates are available above.  Cash advances do not qualify for the interest free period and attract interest from the date of the cash advance.
Not available on all mobile devices. Ask us or see our website for a list of compatible mobile devices.

Android, Google Pay and the Google Logo are trademarks of Google LLC.

 

Terms, conditions, fees, charges and lending criteria apply and are available on application.

The information above is general advice only and does not take into consideration your personal objectives, financial situation or needs (“your personal circumstances”). Please consider the relevant Disclosure Documents and your personal circumstances before making any decision to purchase the products. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.

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