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 Activate Account and are under 25 years of age, an active Home Loan~, a One to One relationship 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...

  • If my account is not interest free eligible how can I make it interest free eligible?

    You will need to pay the closing balance of your account as it was on the last day of the previous calendar month in full, and once this is done your interest free eligibility will be regained and interest will stop accruing on any purchases that form part of your unpaid daily balance, from the date you make this payment (until your account ceases to be interest free eligible again). This can be done at any time during the month. Interest accrued up until the eligibility is regained will be charged at the end of the month.

  • What is Verified by Visa?

    Verified by Visa has recently been renamed to Visa Secure. Visa Secure is a service that automatically sends a One Time Password to your mobile phone, to authenticate the purchaser and protect your card against unauthorised use.

  • I'm after some information on managing payments to my People's Choice loan or credit card. Who do I call?

    You can call People's Choice Credit Union on 08 8124 2148 . For more information, visit the Customer-Owned Banking Association website or you can call The National Debt Helpline on 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.

  • What is the Visa Credit Card fee?

    Visa Credit Card Accounts carry a $59 annual fee. This fee is waived if you have a home loan, One to One or financial planning relationship with us or if you are under 25 years old and hold an Activate Account.

    Visa debit cards have no annual fee.

  • 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.

  • 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.

  • 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, Internet Banking and Mobile 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.

  • Are smart chip Visa cards secure?

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

  • 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.

  • 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.

  • How do I pay off my credit card so that I am eligible for up to 62 interest free days?

    You have until 5.00pm (CST) on the last calendar day of the month to pay the balance from the previous month in full to receive the benefits of up to 62 interest free days on eligible transactions.

    This can be done during business hours, or on a Saturday, Sunday or a public holiday.

  • What is an overlimit fee?

    An arrears/overlimit fee is charged where you overdraw your account past an approved credit or overdraft limit or, if you have no approved limit, overdraw your account. This fee is charged if you remain overdrawn 20 days or more. To avoid this fee we recommend you monitor your transactions to ensure your account does not become overdrawn and settle any overdrawn balances as soon as possible. Debit interest also applies to overdrawn and overlimit balances. Overlimit fees do not apply to credit card accounts.

  • 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 less 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 on eligible transactions.

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

  • What are non interest free transactions on a credit card?

    Non interest free withdrawals include:

    • Cash withdrawals
    • Any transfer from the account
    • Corporate cheque withdrawals

hi…

Thank you for your enquiry. Unfortunately we don’t have a branch in this area, so please call us on 13 11 82 to see how we can still help you.

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.
~Loan must be drawn down or Line of Credit limit in use.

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.

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