The People’s Choice Credit Union Visa Credit Card has a $59 annual fee that's competitive with other no-frills cards. It also offers up to 62 days interest-free on purchases when you pay your balance in full by the statement due date, which is one of the longer interest-free day periods on the market. But if you only pay off some of your balance each month, interest charges will add up faster if you're offered the higher, 15.75% p.a. variable rate on this card.
People’s Choice Credit Union Visa Credit Card
Terms and conditions apply
- Balance transfer rate for 6 months with no balance transfer fee
- 2.99% p.a.
- Purchase rate for the first 6 months (reverts to 12.95%)
- 2.99% p.a.
- Annual fee
- $59 p.a.
- Interest-free on purchases
- Up to 62 days
Our verdict
Offers a low introductory rate of 2.99% p.a. for 6 months, but the variable rate that applies after that depends on your application.
Pros
-
Introductory 2.99% p.a. interest rate for purchases, cash advances and balance transfers in the first 6 months.
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Competitive $59 annual fee.
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Works with Apple Pay, Google Pay and Samsung Pay digital wallets.
Cons
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The variable interest rate of either 15.75% p.a. or 12.95% p.a. depends on your application, so you won't know until after you apply.
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No rewards or perks like complimentary insurance.
Details
Product details
| Product Name | People's Choice Credit Union Visa Credit Card |
| Balance transfer rate p.a. | 2.99% for 6 months, then 12.95% |
| Purchase rate p.a. | Purchase rate p.a. 2.99% for 6 months, then 12.95% |
| Interest-free period | Up to 62 days on purchases |
| Cash advance rate p.a. | 12.95% |
| Min credit limit | $1,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
| Joint application | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | Annual fee $59 |
| Minimum monthly repayment | 3% of the closing balance or $10, whichever is greater |
| Late payment fee | $0 |
| Foreign currency conversion fee | Foreign currency conversion fee 3% |
| Cash advance fee | $5 |
| Overseas cash advance fee | $5 |
| Overseas ATM withdrawal fee | $5 |
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Amy Finder
Editor
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