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.
At a glance
- Purchase rate
- 12.95%
- Cash advance
- 12.95%
- Interest-free days
- 1
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 12.95% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 27th lowest of 51, level with one other |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 1 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 42nd longest of 42 |
Rates
Every rate People First Bank publishes for this credit card, 3 in all.
| 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% | - | - |
Fees
17 fees published, grouped by when they're charged.
When you make a transaction2
- Annual Visa Credit Card Fee
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
$59 - ATM Withdrawal
Cash Advance fee
$5
When particular things happen15
- Arrears Administration Fee 1
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…
$25 - Arrears Administration Fee 2
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.
$25 - Balance Transfer (via Corporate Cheque)$10
- Balance Transfer (via external transfer)$1.50
- Conversion Fee
Applies when a transaction is performed overseas using a Visa Card. Charged at the time of transaction.
3.00% of transaction - Credit Card Monthly Transfer Rejection
Applies when you have a scheduled monthly balance sweep set up and there are insufficient funds in your account to process a payment.
$5 - Emergency Visa Card Replacement Overseas
Applies when you request an urgent replacement Card to be issued while overseas (for any reason including theft)
$300 - Emergency Visa Cash Advance Overseas
Applies when you request an emergency cash advance without your Visa Card
$300 - Final Demand
Charged when demand is issued to request payment where no credit limit exists.
$15 - Over limit Administration Fee 1
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…
$25 - Over limit Administration Fee 2
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.
$25 - Visa - Conversion Fee
Applies when a transaction is performed overseas using a Visa Card. Charged at the time of the transaction.
3.00% of transaction - Visa - Replacement Card Fee
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.
$10 - Visa Cash Advance – Australia and Overseas
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…
$5 - Visa Cash Advance- Australia and Overseas
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…
$5
Features
- 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
Eligibility and 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 from $1,000, no maximum
- Terms, conditions, fees, charges and lending criteria apply and are available on application
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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.