Police Credit Union Credit Cards

Police Credit Union is a member-owned financial institution that's been operating for over 50 years. It has a focus on police, healthcare professionals and emergency service workers but anyone can become a member. It offers one credit card, the Police Credit Union Extralite Visa, which has a low interest rate, no annual fee and mobile payments through Apple Pay, Google Pay and Samsung Pay.

Compare Police Credit Union Credit Cards

Sort by:Please select

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
Police Credit Union Extralite Credit Card	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0	ContinueMore Info Compare	Offers a low interest rate of 13.99% p.a. on purchases and cash advances, with an ongoing $0 annual fee.

loading

Types of credit cards from Police Credit Union

• Low rate credit card

The Police Credit Union Extralite Visa is a low rate credit card that has a 13.99% p.a. interest rate for purchases and cash advances. It also offers interest-free days on purchases if you pay your balance in full by the due date on each statement, worldwide acceptance through the Visa payment network and fraud protection. Unlike some other low rate credit cards, it also offers no annual fee ever.

Benefits of getting a credit card with Police Credit Union

• Global access

You can use this Visa credit card to make payments all around the world, wherever you see the Visa logo. This includes when you're shopping in person, online and over the phone. You can also tap this card to pay at the checkout, with no need to enter a PIN for purchases under $100.

• Digital wallets

You can add a Police Credit Union credit card to Apple Pay, Google Pay or Samsung Pay and make contactless payments straight from your smartphone or other compatible devices.

• Visa Offers + Perks

As a Visa credit card, the Police Credit Union extralite gives you access to exclusive deals on shopping, dining, entertainment and travel through Visa Offers + Perks. All you need to do is visit the Visa website, find offers that you're interested in and follow the steps to claim them.

• Security

Police Credit Union offers a Guardian Fraud Protection Service that helps identify fraud and high-risk transactions – and takes action to recover any funds taken through fraud. It also monitors fraud trends to stay on top of the latest risks. This service also gives you access to a Guardian Money Back Guarantee, which offers cover if your card is used for fraud, as long as you notify the credit union of the fraud as soon as possible. Alongside these benefits, you'll get an extra level of verification online through one-time passwords and Visa Secure.

How to apply

You can apply for a Police Credit Union credit card online by filling in a secure application form. You can also download an application form that can be submitted in a branch, by email (apply@policecu.com.au), by fax (08 8208 5660) or by post (Reply Paid PO Box 6074, Halifax Street PO, ADELAIDE SA 5000). Alternatively, you can request a callback from Police Credit Union when you apply through the website.

Before you apply, make sure you meet the eligibility criteria and have all the documents and details you'll need to complete the application.

Eligibility criteria

• Australian residency status. You need to be a permanent resident of Australia to complete the online application. If you're not a permanent resident, you can discuss your options by calling Police Credit Union on 1300 131 844 in Australia, or +61 8 8208 5761 if you're outside Australia.
• Credit history. You should not have ever been bankrupt or had any legal proceedings against you.
• Age. You must be at least 18 years of age.

Documents and details

• Personal details. This includes your full name, date of birth, marital status, number of dependents and your contact details. You also need to provide a valid form of ID, such as your driver's licence or passport.
• Employment details. As well as your salary, you'll need to provide details of your profession, length of employment and your employer's contact details. You may also need to provide recent payslips to help verify these details.
• Financial details. This includes any other forms of income, savings and other assets, as well as existing debts, credit cards and other liabilities. You also need to estimate your share of regular household expenses such as rent or mortgage payments, groceries and utility bills.

If you have any questions about the application process, you can call Police Credit Union on 1300 131 844, email pcu@policecu.com.au or visit a branch.

Credit card brands similar to Police Credit Union

If you want a credit card from a member-owned bank or one that's focused on police and essential service workers, here are 3 other credit card providers you could compare with Police Credit Union:

• Police Bank credit cards
• QBANK credit cards
• Firefighters Mutual Bank credit cards

Frequently asked questions

• What is the minimum credit limit for a Police Credit Union credit card?

  The Police Credit Union Extralite Visa Credit Card has a minimum credit limit of $1,000. You can apply for a different credit limit, but keep in mind that the credit limit you're offered is determined based on the lending criteria.

  If you want to request a higher or lower credit limit, call Police Credit Union on 1300 131 844, email pcu@policecu.com.au or visit a branch.

• How can I cancel my card?

  If you want to close your Police Credit Union credit card account, you can use any of the following options:

  • Download and complete a request form from the Police Credit Union website
  • Call 1300 131 844
  • Visit a branch
  • Email at pcu@policecu.com.au

  You can also contact the credit union in writing by fax (08 8208 5660) or by post (Reply Paid PO Box 6074, Halifax Street PO, ADELAIDE SA 5000)

• What should I do if I lose my card?

  If your card is lost or stolen, report it straight away by calling Police Credit Union on 1300 131 844 from Australia. If you're overseas, call the Visa Hotline on +61 2 8299 9101 to report your card as lost or stolen.

Contact details and related links

• Police Credit Union phone number: 1300 131 844
  8am-5:30pm Mon, Weds-Fri, 9:30am-5:30pm Tues and 8:30am-12pm Sat
• Police Credit Union home loans
• Credit union credit cards

Compare other products from Police Credit Union

• Police Credit Union home loans

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

Amy's expertise

Amy has written 552 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability