People’s Choice Credit Union Credit Cards

People's Choice Credit Union is an Australian member-owned financial institution established in 1949. It offers a single Visa credit card with a low rate, worldwide acceptance and mobile payment options.

Compare People's Choice Credit Union Credit Cards

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Purchase rate p.a. (low-high)Purchase rate p.a. (high-low)Bonus points (low-high)Bonus points (high-low)Points per $ spent (low-high)Points per $ spent (high-low)Interest-free period (low-high)Interest-free period (high-low)Balance transfer rate p.a. (low-high)Balance transfer rate p.a. (high-low)Annual fee (low-high)Annual fee (high-low)

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
People's Choice Credit Union Visa Credit Card	Purchase rate p.a. 2.99% for 6 months, then 12.95%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 62 days on purchases	Balance transfer rate p.a. 2.99% for 6 months with 0% balance transfer fee, then 12.95%	Annual fee $59	ContinueMore Info Compare	Get up to 62 days interest-free on purchases and make mobile payments with Apple Pay, Google Pay and Samsung Pay.

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Types of credit cards from People's Choice Credit Union

• Low rate credit card

The People's Choice Credit Union Visa offers an introductory rate of 2.99% p.a. on purchases and balance transfers for the first 6 months. After that, a variable interest rate of 12.95% p.a. applies, which is lower than the average credit card interest rate of around 20%.

Benefits of a People's Choice Credit Union credit card

• Visa benefits

People's Choice Credit Union credit cards can be used to shop in-store, online or over the phone with millions of businesses around the world – just look for the Visa logo. When you're shopping in a store, you can tap to pay and won't need to enter a PIN of the purchase is less than $100. You can also take advantage of exclusive deals on shopping, dining, entertainment and travel through Visa Offers + Perks, with the latest deals listed on the Visa Australia website.

• Security

People's Choice Credit Union credit cards offer 24/7 support for lost or stolen cards – just call the credit union on 13 11 82 during office hours or Visa on 1800 648 027 at any other time. Online, you also get the added benefit of Visa Secure to help protect your account from unauthorised transactions.

• Digital wallets

If you have Apple Pay, Google Pay or Samsung Pay, you can add your People's Choice Credit Union credit card and make payments straight from you mobile phone or other device.

How to apply

You can apply for a People's Choice Credit Union credit card online by filling in a secure application form. You can also apply over the phone by calling 13 11 82 or by visiting a branch. To get started, make sure you meet the eligibility requirements and have all the documents and details you'll need to complete the application.

Eligibility

• Age. You must be at least 18 years of age.
• Australian residency status. You must be a permanent Australian resident or an Australian citizen.
• Employment. You must currently have paid employment.
• Credit history. You must agree to a credit check and should not have been bankrupt or had any legal judgments in the last five years. You can get a free copy of your credit report and score to check these details.

Documents and details

• Personal details. This includes your name, contact details, marital status, number of dependants and your date of birth. You also need to provide a valid form of ID, such as your driver's licence, Medicare care or passport.
• Employment details. As well as your salary, you need to provide details such as your job title, length of employment and your employer’s contact details. You may also need to submit recent payslips or bank statements to help verify this information.
• Financial details. This covers income any other sources, as well as savings, investments, other assets and your existing debts. You also need to estimate your share of regular household expenses, such as rent or mortgage payments, utility bills and grocery shopping.

If you have any questions about the application or if you want to check its status after you've submitted all your details, call People's Choice Credit Union on 13 11 82 or visit a branch.

Credit card brands similar to People's Choice

If you want a credit card from a credit union or member-owned bank, here are 3 other credit card providers you could compare with People's Choice:

• Bank Australia credit cards
• Community First credit cards
• Heritage Bank credit cards

Frequently asked questions

• How long does it take to complete the online application?

  Applying for a People's Choice Credit Union credit card takes around 15 to 20 minutes if you have all the details you need to complete it. You also have the option of saving your application and coming back to it later if you need to – just click the "Finish later" option and it will be sent to you via the email address you provided.

• Can I get an annual fee waiver?

  People's Choice Credit Union credit cards offer an annual fee waiver if one of the following applies to you:

  • You are under 25 years of age and have an Activate Account.
  • You have an existing People's Choice Credit Union home loan or line of credit.
  • You have a One to One or Financial Planning relationship with People's Choice Credit Union.

• How can I cancel my credit card

  People's Choice Credit Union credit cards can be cancelled by filling in a form on the credit union's website.

  Alternatively, you can visit a People's Choice Credit Union branch or call 13 11 82 to discuss your credit card. Note that you will need to settle your card's entire balance before the account can be closed.

• Who owns People's Choice Credit Union?

  As a credit union, People's Choice is owned by its members, with each person who becomes a customer investing in a share of the organisation. It is a trading name of Heritage and People's Choice Ltd, following a merger between Heritage Bank and People's Choice Credit Union in March 2023, with the following details: ABN 11 087 651 125, Australian Financial Services Licence 244310 and Australian Credit Licence 244310.

Contact details and related links

• People's Choice phone number: 13 11 82
  Mon-Fri 8am-8pm (ACST), Sat 8.30am-4.30pm
• People's Choice home loans
• People's Choice savings and bank accounts

Compare other products from People's Choice

• People's Choice home loans
• People's Choice savings accounts
• People's Choice term deposits
• People's Choice personal loans
• People's Choice car loans
• People's Choice car insurance

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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