Newcastle Permanent
Value Plus Credit Card
A personal credit card with up to 55 days interest free on purchases, a low annual fee and competitive interest rate.
Credit cardsBank updated 25 Aug 2026
At a glance
- Purchase rate
- 11.99%
- Cash advance
- 11.99%
- Interest-free days
- 55
- Annual fee
- $49
- Foreign transaction fee
- 3.00%
- Balance transfer
- 11.99%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer | P&I | — | — | 11.99% | — | — |
| Cash advance | P&I | — | — | 11.99% | — | — |
| Purchase | P&I | — | — | 11.99% | — | — |
§ 02 — Fees · 9
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 2.00% of transaction | — | Applies to cash advances performed using the card via ATM, at a branch or other financial institution, or by internet banking. Minimum of $2.50. |
| Direct Debit Dishonour Fee | Dishonour | $9 | — | A direct debit may be dishonoured for various reasons, including insufficient funds being available in the credit card account at the agreed time the debit is to occur, the request being incorrectly… |
| Payment Dishonour Fee | Dishonour | $9 | — | A payment may be dishonoured for various reasons, including insufficient funds being available in the credit card account at the agreed time the debit is to occur, the request being incorrectly compl… |
| Late Payment Fee | Late payment | $5 | — | Payable for each statement period that the minimum payment amount is not processed to your credit card account |
| Annual Fee | Periodic | $49 | Every 1 yr | Payable in advance on your first transaction and then on each anniversary date thereafter. |
| Foreign Currency Conversion Fee | Purchase | 3.00% of transaction | — | Applies when a card is used to perform a transaction overseas or where a merchant processes the payment overseas. |
| Credit Card Replacement Fee Overseas | Replacement | $100 | — | Applies for each replacement card you or an additional cardholder requests overseas |
| Credit Card Replacement Fee within Australia | Replacement | $20 | — | Applies for each replacement card you or an additional cardholder requests within Australia |
| Replacement Statement Fee | Replacement | $10 | — | Payable on reissue of a statement |
§ 03 — Features
Digital bankingUnlimited transactionsBalance transfers55 interest-free days3 additional cardsGoogle PayApple Pay
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Available to permanent Australian Residents
- · Employment: Fulltime, Part time, Casual, Contract, Self Employed
- · Minimum income $20,000
- · Available to individuals
- · Amount $500 to $20,000
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Newcastle Permanent Building Society under the Consumer Data Right, last changed by them on 25 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.