People First Bank
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.
Credit cardsBank updated 5 May 2026
At a glance
- Purchase rate
- 12.95%
- Cash advance
- 12.95%
- Interest-free days
- 1
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceThe 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. | — | — | — | 12.95% | — | — |
| IntroductoryA low introductory rate of 2.99% p.a. for the first 6 months - available across all balance transfers, cash advances and purchases | — | 6 mo intro | — | 2.99% | — | — |
| PurchaseThe 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. | — | — | — | 12.95% | — | — |
§ 02 — Fees · 17
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears Administration Fee 1 | Event | $25 | — | Payable if you fail to make repayments due under your credit contract and you do not pay an amount sufficient to clear all repayment arrears within 7 days of us notifying you that your account is in… |
| Arrears Administration Fee 2 | Event | $25 | — | Payable if you fail to make repayments due under your credit contract and your account remains in arrears for a period of 20 days or more. |
| Balance Transfer (via Corporate Cheque) | Event | $10 | — | — |
| Balance Transfer (via external transfer) | Event | $1.50 | — | — |
| Conversion Fee | Event | 3.00% of transaction | — | Applies when a transaction is performed overseas using a Visa Card. Charged at the time of transaction. |
| Credit Card Monthly Transfer Rejection | Event | $5 | — | Applies when you have a scheduled monthly balance sweep set up and there are insufficient funds in your account to process a payment. |
| Emergency Visa Card Replacement Overseas | Event | $300 | — | Applies when you request an urgent replacement Card to be issued while overseas (for any reason including theft) |
| Emergency Visa Cash Advance Overseas | Event | $300 | — | Applies when you request an emergency cash advance without your Visa Card |
| Final Demand | Event | $15 | — | Charged when demand is issued to request payment where no credit limit exists. |
| Over limit Administration Fee 1 | Event | $25 | — | Payable if you exceed your approved credit limit and you fail to pay an amount sufficient to return the balance of the account to less than or equal to the approved credit limit within 7 days of us n… |
| Over limit Administration Fee 2 | Event | $25 | — | Payable if you exceed your approved credit limit and your account balance remains over the approved limit for a period of 20 days or more. |
| Visa - Conversion Fee | Event | 3.00% of transaction | — | Applies when a transaction is performed overseas using a Visa Card. Charged at the time of the transaction. |
| Visa - Replacement Card Fee | Event | $10 | — | Applies when a lost or damaged Card is replaced (no fee is payable if Card is stolen). Fee is charged when the Card is ordered. |
| Visa Cash Advance – Australia and Overseas | Event | $5 | — | Visa Cash Advances are withdrawals using your Visa Card at Australian Bank branches, overseas Bank branches, overseas ATMs, National ATMs* or Australia Post using the ‘CR’ account selection or access… |
| Visa Cash Advance- Australia and Overseas | Event | $5 | — | Visa Cash Advances are withdrawals using your visa Card at Australian Bank branches, overseas Bank branches, overseas ATMs, National ATMs or Australia Post (using the credit account selection or acce… |
| Annual Visa Credit Card Fee | Transaction | $59 | — | Charged within a month of the account opening and then annually on the anniversary of the account opening month. Annual Visa credit card fee waiver |
| ATM Withdrawal | Withdrawal | $5 | — | Cash Advance fee |
§ 03 — Features
Instant paymentsPayIDDigital banking1 interest-free daysThe Pays
- · A low introductory rate of 2.99% p.a. for the first 6 months - available across all balance transfers, cash advances and purchases.
- · Visa Credit Card gives you the convenience to make purchases, pay bills or get cash worldwide
- · Quick assessment process
- · No application fees
- · Competitive interest rates
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Permanent residents of Australia who reside in Australia at the time of membership application are eligible for membership, regardless of citizenship status.
- · Available to individuals
- · Amount $1,000 to no maximum
- · Terms, conditions, fees, charges and lending criteria apply and are available on application
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by People First and Heritage Bank under the Consumer Data Right, last changed by them on 5 May 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.