- 2.99% p.a. on purchases, cash advances and balance transfers for six months
- Either 12.95%p.a. or 15.75%p.a. ongoing interest rate
- Up to 62 days interest free on purchases
- Eligible with Apple Pay, Samsung Pay and Google Pay
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People's Choice Credit Union Credit Cards
People’s Choice Visa Credit Card
Updated 1 November 2024
Allowing cardholders to save with its introductory offer, the People’s Choice Visa Credit Card is currently offering 2.99% p.a. on purchases, cash advances and balance transfers for six months. Ongoing, the card has a low purchase rate (determined by cardholder circumstance), a reasonable annual fee and up to 62 interest free on purchases.
Purchase Rate (p.a)
2.99% p.a.
for 6 months. Reverts to 12.95% p.a.
Balance Transfer (p.a)
2.99% for 6 months
No balance transfer fee.
Reverts to 12.95% p.a.
Annual Fee (p.a)
$59
Pros and cons
- Annual fee of $59
Creditcard.com.au review
Editor Review
People’s Choice Visa Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The People’s Choice Visa Credit Card
Allowing cardholders to save with its introductory offer, the People’s Choice Visa Credit Card is currently offering 2.99% p.a. on purchases, cash advances and balance transfers for six months. Ongoing, the card has a low purchase rate (determined by cardholder circumstance), a reasonable annual fee and up to 62 interest free on purchases.
What we love...
One of the first things you are likely to notice on the People’s Choice Visa Credit Card is its introductory offer. Offering a lovely low rate of 2.99% p.a. across purchases, cash advances and balance transfers, this could provide an opportunity to save big on interest, especially if you carry a balance or if you have credit card debt on existing cards.
So, why would you choose a card with this offer? With a super low purchase rate over that introductory six month period, you could save on interest on your card spending. Perhaps you want to go on holiday or buy a big ticket item for the house. Maybe you just want to save on your carried over balance month to month. This card could help you do just that.
Alternatively, you may have a balance on an existing card that you want to pay off. A balance transfer offer such as this could make that a much easier prospect. Instead of paying a much higher rate of interest on that balance, you would pay 2.99% p.a. for the first six months, which could potentially allow you to pay it off faster as you pay less in interest overall.
After that intro period, the card still has plenty to offer. One of the standout features on this card is its interest free period. While some cards provide up to 44 or 55 days interest free, this card offers a whopping 62 days interest free. That means, if you clear your balance each month by the due date, you could have up to 62 days with no interest to pay on purchases.
In terms of ongoing costs, the card has a pretty standard annual fee. It’s not low, but it’s not high either. As for interest, your purchase rate will be determined by the information you provide and the assessment of your application. From the interest options provided, the rates still look pretty low, which could help you save on interest if you carry a balance.
What’s not so great...
We might call this a middle-of-the-road card. It doesn’t have a super low annual fee or purchase rate, but it doesn’t have a high annual fee or interest rate either. So, it’s not a true low cost card. If you want a real money saver, you may need to look at other options. However, this card does have that nice intro offer, which could offer real value.
Why should you choose this card?
Aside from its intro offer, one of the main reasons to choose the People’s Choice Visa Credit Card is its interest free feature. With up to 62 days interest free on purchases, this could help you save on interest when you pay off your balance. If you qualify for the card’s lower purchase rate, it could also work well as a low rate card, saving you month to month if you carry a balance.
It’s safe to say this card is not abundant in features, but as a classic card, this is what you should expect. For its annual fee, you can benefit from worldwide acceptance through the Visa network, with some nice extras in the form of Visa Checkout and Verified by Visa, and Apple Pay, Samsung Pay and Google Pay compatibility.
Overall Rating
Going big with its intro offer, the People’s Choice Visa Credit Card is currently offering 2.99% p.a. on purchases, cash advances and balance transfers, with up to 62 days interest free on purchases.
User reviews
Rates and fees
Interest rates
Purchase rate 12.95% p.a.
Introductory purchase rate 2.99% p.a. for 6 months
Cash advance rate 12.95% p.a.
Interest free period on purchases up to 62 days
Balance transfer
Balance transfer rate 2.99% p.a. for 6 months
Balance transfer revert rate 12.95% p.a.
Balance transfer from personal loan N/A
Balance transfer fee No fee
Balance transfer limit N/A
Brands you can't balance transfer from People's Choice Credit Union
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $59 p.a.
Additional cardholder fee N/A
Foreign transaction fee 3%
Minimum repayment 3% or $10, whichever is greater
Cash advance fee $5.00
Late payment fee $25
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Eligible with Apple Pay, Samsung Pay and Google Pay
Overview
People’s Choice Visa Credit Card
Key features
- 2.99% p.a. on purchases, cash advances and balance transfers for six months
- Either 12.95%p.a. or 15.75%p.a. ongoing interest rate
- Up to 62 days interest free on purchases
- Annual fee of $59
- Eligible with Apple Pay, Samsung Pay and Google Pay
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Resident or Australian Citizen
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
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