BSB 805 050

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BSB 805 050


Find answers to some of the most common questions from our members 

Our BSB is 805 050

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  • 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.

  • How do I activate my card?

    We offer a few options for you to activate your card.

    1. Activate your card through our Mobile Banking App by selecting 'Card Management' from the menu within the app.


    2. Activate your card online using Internet Banking


    Simply log in to Internet Banking and click on 'Services' in the menu bar. Select 'Activate Card' and enter your new card number and expiry date, then click 'Activate Card'. Done!

    Remember to sign the back of your new card prior to use.

    Alternatively, we are here to assist with card activation through our National Contact Centre on 13 11 82 or by visiting your nearest branch. To complete this process you will be asked to provide appropriate ID, including your Member Access Password (MAP) or a seven point ID process.

  • 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
  • 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.

  • Can I continue to use the magnetic strip on my card?

    Your Visa card can still be used in traditional swipe EFTPOS terminals with PIN or signature approval where a merchant allows this method. You can also use your Visa card at ATMs. As merchant terminals are upgraded, however, contactless payments and entering a PIN where required will often be  the  easier, faster and safer way to transact. If you are travelling overseas, we suggest you memorise your PIN as this is now the preferred payment authorisation method for most merchants.

  • 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.

  • I'm going overseas. How can I access my money?

    The most convenient way to access your accounts overseas is to use your Visa card with a PIN at an ATM or Merchant facility.

    Refer to our Disclosure documents for more details and applicable fees and charges.

    All our Visa debit and Visa credit cards come embedded with a smart chip, making cards virtually impossible to copy and offering a new level of security against counterfeiting, card skimming and other fraudulent use. If you are travelling overseas and your current card does not have an embedded chip we recommend you contact us to update your card prior to travelling.

    If you are travelling overseas, make sure you're signed up for Internet Banking so you can keep track of your accounts while you're away.

    Alternatively, rediCARD PLUS cards can be used in overseas ATMs that display a PLUS symbol. If your current rediCARD does not currently have the PLUS functionality contact us to update your card prior to travelling.

  • What information does the smart chip contain?

    A chip card is a Visa credit or debit card with an embedded smart chip. It appears as a gold square on the left hand side of the card. Like the magnetic stripe on the back of current credit and debit cards, the embedded microchip securely stores account details - account name, number and account expiry date. But unlike the magnetic strip, the microchip is virtually impossible to copy, which provides an unrivalled level of protection against counterfeiting, card skimming and other fraudulent use.

  • How do Visa Debit cards work?

    Purchases and cash withdrawals are directly deducted from your transaction account, so there are no interest charges unless you're using an overdraft option. This means you can monitor your account balance and see exactly how much money you have left to spend. Visa Debit also has the convenience of International access to your accounts and the ability to make purchases made online – still accessing your own funds. All purchases, including payWave transactions, are covered by Visa cardholder protections, policies and chargeback rights.

    The following clip provides a great description of Visa Debit functionality and its uses.

    All our Visa Debit cards have the latest smart chip technology which is virtually impossible to copy, which provides an unrivalled level of protection against counterfeiting, card skimming and other fraudulent use. Our cards are also covered by Visa Secure which adds another level of protection when buying online. People’s Choice also provide a fraud protection service to members free of charge which monitors transactions to detect unusual activity, suspicious transactions and block the card if necessary.

    In addition, all Visa card holders have admittance to Visa Entertainment providing access to concert and theatre ticket presales, film promotions and exclusive offers.

  • Do I need more than one card to access all of my accounts?

    In most instances you will only require one card. Your card will provide you access to all of your accounts in our branches or agencies, even those that you are signatory to. In addition, you can link up to three transactional accounts to your card for access at ATMs and [email protected] Our credit cards also allow up to two additional transactional accounts to be linked to access via EFTPOS and ATMs.

    If you require access to more than one account via EFTPOS or ATMs on a Visa Debit or rediCARD PLUS card then an additional card may be required. rediCARD PLUS cards are subject to an annual fee per card.

  • What do I do if there has been a transaction on my account that is not authorised? 

    Call us immediately on 13 11 82contact us via the website, or go to your nearest branch and speak with a consultant.

  • What is an outstanding authorisation? 

    An outstanding authorisation is when the estimated value of a purchase (eg. Hotel stay) has been held up for a period of up to an estimated six days to allow the merchant to process the transaction.

    It can also be used as a security measure for transactions such as Hotel stay or Car rental. In this case, after six days the amount drops off the system. Whilst the authorisation is in place your available credit balance is reduced by that amount, but not the balance owing on the card.

  • 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.

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